Home > First National Bank > Performance and Condition Ratios
First National Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5213% | 3,058 |
| Cost of funding earning assets | 0.9407% | 3,438 |
| Net interest margin | 3.5806% | 2,006 |
| Noninterest income to average assets | 0.8000% | 935 |
| Noninterest expense to average assets | 2.8601% | 1,370 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 1.0479% | 2,069 |
| Return on assets (ROA) | 1.0479% | 2,042 |
| Pretax return on assets | 1.2690% | 1,959 |
| Return on Equity (ROE) | 14.8000% | 1,324 |
| Retained earnings to average equity (ytd only) | 11.0305% | 787 |
| Net charge-offs to loans | 0.0054% | 2,514 |
| Credit loss provision to net charge-offs | 267.6471% | 1,021 |
| Earnings coverage of net charge-offs (x) | 373.7059% | 371 |
| Efficiency ratio | 68.7240% | 2,031 |
| Assets per employee ($millions) | 5.5740% | 3,181 |
| Cash dividends to net income (ytd only)* | 25.4680% | 2,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7040% | 4,121 |
| Loan loss allowance to noncurrent loans | 289.7238% | 2,058 |
| Noncurrent assets plus other real estate owned to assets | 0.1535% | 2,499 |
| Noncurrent loans to loans | 0.2430% | 2,331 |
| Net loans and leases to total assets | 62.7200% | 2,602 |
| Net loans and leases to deposits | 68.2357% | 3,013 |
| Net loans and leases to core deposits | 69.8202% | 3,315 |
| Total domestic deposits to total assets | 91.9200% | 318 |
| Equity capital to assets | 7.5324% | 3,701 |
| Core capital (leverage) ratio | 8.8218% | 3,883 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6721% | 1,995 |
| Memoranda: | ||
| Average total assets | $994,062,200 | 992 |
| Average earning assets | $926,461,400 | 976 |
| Average equity | $70,386,600 | 1,243 |
| Average total loans | $628,871,600 | 1,059 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4637% | 2,983 |
| Cost of funding earning assets | 0.8763% | 3,330 |
| Net interest margin | 3.5874% | 2,036 |
| Noninterest income to average assets | 0.7600% | 1,028 |
| Noninterest expense to average assets | 2.7698% | 1,499 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 1.0719% | 2,142 |
| Return on assets (ROA) | 1.0719% | 2,129 |
| Pretax return on assets | 1.3141% | 1,993 |
| Return on Equity (ROE) | 15.4200% | 1,368 |
| Retained earnings to average equity (ytd only) | 11.7079% | 1,024 |
| Net charge-offs to loans | 0.0126% | 1,942 |
| Credit loss provision to net charge-offs | 203.3898% | 1,109 |
| Earnings coverage of net charge-offs (x) | 167.2203% | 678 |
| Efficiency ratio | 67.1600% | 2,121 |
| Assets per employee ($millions) | 5.5253% | 3,162 |
| Cash dividends to net income (ytd only)* | 24.0503% | 2,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7175% | 4,105 |
| Loan loss allowance to noncurrent loans | 240.6670% | 2,281 |
| Noncurrent assets plus other real estate owned to assets | 0.1869% | 2,346 |
| Noncurrent loans to loans | 0.2981% | 2,165 |
| Net loans and leases to total assets | 62.2500% | 2,628 |
| Net loans and leases to deposits | 67.4220% | 3,018 |
| Net loans and leases to core deposits | 68.9624% | 3,271 |
| Total domestic deposits to total assets | 92.3300% | 398 |
| Equity capital to assets | 7.1318% | 3,552 |
| Core capital (leverage) ratio | 8.6388% | 4,069 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7891% | 1,979 |
| Memoranda: | ||
| Average total assets | $988,843,750 | 995 |
| Average earning assets | $921,752,250 | 978 |
| Average equity | $68,761,250 | 1,259 |
| Average total loans | $625,889,750 | 1,056 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3979% | 2,888 |
| Cost of funding earning assets | 0.7931% | 3,224 |
| Net interest margin | 3.6048% | 2,028 |
| Noninterest income to average assets | 0.6700% | 1,209 |
| Noninterest expense to average assets | 2.7410% | 1,547 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 1.0140% | 2,383 |
| Return on assets (ROA) | 1.0140% | 2,375 |
| Pretax return on assets | 1.2613% | 2,186 |
| Return on Equity (ROE) | 14.7100% | 1,525 |
| Retained earnings to average equity (ytd only) | 10.8585% | 1,216 |
| Net charge-offs to loans | 0.0300% | 1,286 |
| Credit loss provision to net charge-offs | 127.6596% | 1,297 |
| Earnings coverage of net charge-offs (x) | 67.4574% | 1,124 |
| Efficiency ratio | 67.6801% | 2,019 |
| Assets per employee ($millions) | 5.3524% | 3,278 |
| Cash dividends to net income (ytd only)* | 26.1791% | 2,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7135% | 4,159 |
| Loan loss allowance to noncurrent loans | 313.7102% | 2,095 |
| Noncurrent assets plus other real estate owned to assets | 0.1456% | 2,527 |
| Noncurrent loans to loans | 0.2274% | 2,355 |
| Net loans and leases to total assets | 61.7200% | 2,604 |
| Net loans and leases to deposits | 66.6620% | 3,023 |
| Net loans and leases to core deposits | 68.0938% | 3,227 |
| Total domestic deposits to total assets | 92.5800% | 312 |
| Equity capital to assets | 6.9663% | 3,815 |
| Core capital (leverage) ratio | 8.3959% | 4,199 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4368% | 2,122 |
| Memoranda: | ||
| Average total assets | $986,942,667 | 987 |
| Average earning assets | $919,164,000 | 970 |
| Average equity | $68,038,667 | 1,265 |
| Average total loans | $626,655,000 | 1,035 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3063% | 2,784 |
| Cost of funding earning assets | 0.6684% | 3,162 |
| Net interest margin | 3.6379% | 2,038 |
| Noninterest income to average assets | 0.7100% | 1,070 |
| Noninterest expense to average assets | 2.6756% | 1,738 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 1.1311% | 2,124 |
| Return on assets (ROA) | 1.1311% | 2,090 |
| Pretax return on assets | 1.3894% | 1,908 |
| Return on Equity (ROE) | 16.5000% | 1,261 |
| Retained earnings to average equity (ytd only) | 12.4593% | 1,183 |
| Net charge-offs to loans | 0.0407% | 955 |
| Credit loss provision to net charge-offs | 181.2500% | 866 |
| Earnings coverage of net charge-offs (x) | 55.0000% | 1,065 |
| Efficiency ratio | 64.6650% | 2,370 |
| Assets per employee ($millions) | 5.4201% | 3,296 |
| Cash dividends to net income (ytd only)* | 24.4677% | 1,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7139% | 4,225 |
| Loan loss allowance to noncurrent loans | 264.3576% | 2,358 |
| Noncurrent assets plus other real estate owned to assets | 0.1703% | 2,315 |
| Noncurrent loans to loans | 0.2700% | 2,177 |
| Net loans and leases to total assets | 62.6100% | 2,397 |
| Net loans and leases to deposits | 67.5998% | 2,806 |
| Net loans and leases to core deposits | 68.7315% | 3,041 |
| Total domestic deposits to total assets | 92.6200% | 371 |
| Equity capital to assets | 6.9782% | 3,841 |
| Core capital (leverage) ratio | 8.3704% | 4,232 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1515% | 2,333 |
| Memoranda: | ||
| Average total assets | $979,960,000 | 1,009 |
| Average earning assets | $916,244,500 | 991 |
| Average equity | $67,195,000 | 1,285 |
| Average total loans | $628,897,500 | 1,043 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3875% | 3,373 |
| Cost of funding earning assets | 0.1437% | 4,156 |
| Net interest margin | 3.2439% | 2,723 |
| Noninterest income to average assets | 0.7000% | 1,294 |
| Noninterest expense to average assets | 2.6639% | 1,644 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.8831% | 3,031 |
| Return on assets (ROA) | 0.8831% | 2,971 |
| Pretax return on assets | 1.0780% | 2,840 |
| Return on Equity (ROE) | 13.6400% | 1,617 |
| Retained earnings to average equity (ytd only) | 10.4515% | 1,020 |
| Net charge-offs to loans | -0.0086% | 3,766 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 70.4989% | 1,624 |
| Assets per employee ($millions) | 5.2611% | 3,457 |
| Cash dividends to net income (ytd only)* | 23.3625% | 2,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6093% | 4,330 |
| Loan loss allowance to noncurrent loans | 227.9882% | 2,505 |
| Noncurrent assets plus other real estate owned to assets | 0.1746% | 2,322 |
| Noncurrent loans to loans | 0.2673% | 2,195 |
| Net loans and leases to total assets | 64.9200% | 2,150 |
| Net loans and leases to deposits | 69.8869% | 2,589 |
| Net loans and leases to core deposits | 70.5094% | 2,841 |
| Total domestic deposits to total assets | 92.9000% | 430 |
| Equity capital to assets | 6.7326% | 3,800 |
| Core capital (leverage) ratio | 8.0608% | 4,383 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6336% | 2,516 |
| Memoranda: | ||
| Average total assets | $997,461,200 | 982 |
| Average earning assets | $938,389,600 | 960 |
| Average equity | $64,593,600 | 1,329 |
| Average total loans | $593,695,400 | 1,042 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1620% | 3,529 |
| Cost of funding earning assets | 0.1166% | 4,147 |
| Net interest margin | 3.0454% | 3,097 |
| Noninterest income to average assets | 0.7100% | 1,285 |
| Noninterest expense to average assets | 2.5542% | 1,848 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8110% | 3,213 |
| Return on assets (ROA) | 0.8110% | 3,179 |
| Pretax return on assets | 1.0269% | 2,946 |
| Return on Equity (ROE) | 12.6400% | 1,824 |
| Retained earnings to average equity (ytd only) | 9.4999% | 1,484 |
| Net charge-offs to loans | -0.0178% | 3,952 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 70.8219% | 1,663 |
| Assets per employee ($millions) | 5.6664% | 3,062 |
| Cash dividends to net income (ytd only)* | 24.8691% | 2,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6042% | 4,379 |
| Loan loss allowance to noncurrent loans | 282.9323% | 2,250 |
| Noncurrent assets plus other real estate owned to assets | 0.1334% | 2,677 |
| Noncurrent loans to loans | 0.2135% | 2,544 |
| Net loans and leases to total assets | 62.0700% | 2,279 |
| Net loans and leases to deposits | 66.5169% | 2,676 |
| Net loans and leases to core deposits | 67.0769% | 2,872 |
| Total domestic deposits to total assets | 93.3200% | 493 |
| Equity capital to assets | 5.9149% | 3,995 |
| Core capital (leverage) ratio | 7.6817% | 4,532 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4249% | 2,679 |
| Memoranda: | ||
| Average total assets | $1,004,817,000 | 984 |
| Average earning assets | $946,763,000 | 963 |
| Average equity | $64,448,500 | 1,341 |
| Average total loans | $584,038,250 | 1,050 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9486% | 3,678 |
| Cost of funding earning assets | 0.1209% | 3,952 |
| Net interest margin | 2.8277% | 3,359 |
| Noninterest income to average assets | 0.7261% | 1,243 |
| Noninterest expense to average assets | 2.4921% | 1,956 |
| Loan and lease loss provision to assets | 0.0056% | 2,505 |
| Net operating income to assets | 0.7112% | 3,272 |
| Return on assets (ROA) | 0.7112% | 3,223 |
| Pretax return on assets | 0.8980% | 3,072 |
| Return on Equity (ROE) | 10.8106% | 2,046 |
| Retained earnings to average equity (ytd only) | 7.6960% | 1,730 |
| Net charge-offs to loans | -0.0123% | 3,660 |
| Credit loss provision to net charge-offs | -71.4286% | 3,070 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9229% | 1,637 |
| Assets per employee ($millions) | 5.5250% | 3,203 |
| Cash dividends to net income (ytd only)* | 28.8107% | 2,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6292% | 4,433 |
| Loan loss allowance to noncurrent loans | 310.5088% | 2,121 |
| Noncurrent assets plus other real estate owned to assets | 0.1206% | 2,866 |
| Noncurrent loans to loans | 0.2026% | 2,701 |
| Net loans and leases to total assets | 59.1263% | 2,428 |
| Net loans and leases to deposits | 63.5397% | 2,765 |
| Net loans and leases to core deposits | 64.0978% | 2,961 |
| Total domestic deposits to total assets | 93.0541% | 503 |
| Equity capital to assets | 6.2752% | 4,109 |
| Core capital (leverage) ratio | 7.4111% | 4,592 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7104% | 2,604 |
| Memoranda: | ||
| Average total assets | $1,007,325,000 | 975 |
| Average earning assets | $951,016,333 | 958 |
| Average equity | $66,268,333 | 1,340 |
| Average total loans | $571,111,333 | 1,059 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6754% | 3,992 |
| Cost of funding earning assets | 0.1225% | 3,870 |
| Net interest margin | 2.5529% | 3,783 |
| Noninterest income to average assets | 0.7864% | 1,076 |
| Noninterest expense to average assets | 2.4354% | 2,056 |
| Loan and lease loss provision to assets | 0.0055% | 2,208 |
| Net operating income to assets | 0.6009% | 3,391 |
| Return on assets (ROA) | 0.6009% | 3,372 |
| Pretax return on assets | 0.7623% | 3,220 |
| Return on Equity (ROE) | 8.9327% | 2,340 |
| Retained earnings to average equity (ytd only) | 5.5778% | 2,388 |
| Net charge-offs to loans | 0.0057% | 1,545 |
| Credit loss provision to net charge-offs | 175.0000% | 818 |
| Earnings coverage of net charge-offs (x) | 243.2500% | 377 |
| Efficiency ratio | 75.5358% | 1,581 |
| Assets per employee ($millions) | 5.7576% | 3,052 |
| Cash dividends to net income (ytd only)* | 37.5575% | 1,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6438% | 4,468 |
| Loan loss allowance to noncurrent loans | 289.8104% | 2,146 |
| Noncurrent assets plus other real estate owned to assets | 0.1249% | 2,936 |
| Noncurrent loans to loans | 0.2222% | 2,708 |
| Net loans and leases to total assets | 55.8732% | 2,542 |
| Net loans and leases to deposits | 60.1454% | 2,893 |
| Net loans and leases to core deposits | 60.6657% | 3,089 |
| Total domestic deposits to total assets | 92.8969% | 299 |
| Equity capital to assets | 6.4835% | 4,431 |
| Core capital (leverage) ratio | 7.2589% | 4,635 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6460% | 2,367 |
| Memoranda: | ||
| Average total assets | $1,013,734,000 | 969 |
| Average earning assets | $959,700,000 | 955 |
| Average equity | $68,199,000 | 1,356 |
| Average total loans | $560,798,000 | 1,066 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0454% | 3,791 |
| Cost of funding earning assets | 0.1961% | 3,510 |
| Net interest margin | 2.8492% | 3,560 |
| Noninterest income to average assets | 0.7702% | 1,535 |
| Noninterest expense to average assets | 2.7784% | 1,414 |
| Loan and lease loss provision to assets | 0.0224% | 2,618 |
| Net operating income to assets | 0.5470% | 3,989 |
| Return on assets (ROA) | 0.5470% | 4,039 |
| Pretax return on assets | 0.6580% | 4,015 |
| Return on Equity (ROE) | 7.6371% | 3,338 |
| Retained earnings to average equity (ytd only) | 5.1762% | 2,718 |
| Net charge-offs to loans | 0.0043% | 2,448 |
| Credit loss provision to net charge-offs | 870.8333% | 577 |
| Earnings coverage of net charge-offs (x) | 264.5417% | 446 |
| Efficiency ratio | 79.8339% | 813 |
| Assets per employee ($millions) | 5.6340% | 3,133 |
| Cash dividends to net income (ytd only)* | 32.2233% | 2,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6639% | 4,479 |
| Loan loss allowance to noncurrent loans | 260.7117% | 2,246 |
| Noncurrent assets plus other real estate owned to assets | 0.1385% | 2,968 |
| Noncurrent loans to loans | 0.2546% | 2,702 |
| Net loans and leases to total assets | 54.0443% | 2,849 |
| Net loans and leases to deposits | 58.4232% | 3,212 |
| Net loans and leases to core deposits | 58.9893% | 3,392 |
| Total domestic deposits to total assets | 92.5048% | 91 |
| Equity capital to assets | 6.9714% | 4,725 |
| Core capital (leverage) ratio | 7.3714% | 4,661 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2024% | 2,562 |
| Memoranda: | ||
| Average total assets | $933,189,000 | 1,014 |
| Average earning assets | $880,584,000 | 999 |
| Average equity | $66,844,400 | 1,399 |
| Average total loans | $556,020,800 | 1,079 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1280% | 3,748 |
| Cost of funding earning assets | 0.2150% | 3,467 |
| Net interest margin | 2.9130% | 3,527 |
| Noninterest income to average assets | 0.8072% | 1,501 |
| Noninterest expense to average assets | 2.7195% | 1,532 |
| Loan and lease loss provision to assets | 0.0141% | 2,711 |
| Net operating income to assets | 0.6560% | 3,881 |
| Return on assets (ROA) | 0.6560% | 3,934 |
| Pretax return on assets | 0.8199% | 3,854 |
| Return on Equity (ROE) | 9.0909% | 3,083 |
| Retained earnings to average equity (ytd only) | 6.4377% | 2,637 |
| Net charge-offs to loans | -0.0072% | 3,547 |
| Credit loss provision to net charge-offs | -323.3333% | 3,514 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0357% | 1,036 |
| Assets per employee ($millions) | 5.3756% | 3,323 |
| Cash dividends to net income (ytd only)* | 29.1852% | 2,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6660% | 4,557 |
| Loan loss allowance to noncurrent loans | 271.0526% | 2,120 |
| Noncurrent assets plus other real estate owned to assets | 0.1398% | 3,178 |
| Noncurrent loans to loans | 0.2457% | 2,954 |
| Net loans and leases to total assets | 56.5146% | 2,671 |
| Net loans and leases to deposits | 61.3855% | 3,104 |
| Net loans and leases to core deposits | 62.0109% | 3,322 |
| Total domestic deposits to total assets | 92.0651% | 113 |
| Equity capital to assets | 7.0964% | 4,796 |
| Core capital (leverage) ratio | 7.5356% | 4,685 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4729% | 2,557 |
| Memoranda: | ||
| Average total assets | $912,955,750 | 1,044 |
| Average earning assets | $860,728,750 | 1,027 |
| Average equity | $65,881,000 | 1,428 |
| Average total loans | $557,091,500 | 1,101 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1060% | 3,855 |
| Cost of funding earning assets | 0.2421% | 3,354 |
| Net interest margin | 2.8639% | 3,650 |
| Noninterest income to average assets | 0.8323% | 1,449 |
| Noninterest expense to average assets | 2.7983% | 1,358 |
| Loan and lease loss provision to assets | 0.0191% | 2,575 |
| Net operating income to assets | 0.5768% | 4,031 |
| Return on assets (ROA) | 0.5768% | 4,085 |
| Pretax return on assets | 0.7144% | 4,037 |
| Return on Equity (ROE) | 7.9468% | 3,420 |
| Retained earnings to average equity (ytd only) | 4.9591% | 3,199 |
| Net charge-offs to loans | 0.0043% | 2,004 |
| Credit loss provision to net charge-offs | 716.6667% | 570 |
| Earnings coverage of net charge-offs (x) | 275.0833% | 394 |
| Efficiency ratio | 78.7292% | 868 |
| Assets per employee ($millions) | 5.1178% | 3,541 |
| Cash dividends to net income (ytd only)* | 37.5963% | 1,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6422% | 4,607 |
| Loan loss allowance to noncurrent loans | 420.2367% | 1,453 |
| Noncurrent assets plus other real estate owned to assets | 0.1464% | 3,267 |
| Noncurrent loans to loans | 0.1528% | 3,437 |
| Net loans and leases to total assets | 58.9848% | 2,546 |
| Net loans and leases to deposits | 64.0555% | 2,997 |
| Net loans and leases to core deposits | 64.6972% | 3,220 |
| Total domestic deposits to total assets | 92.0839% | 114 |
| Equity capital to assets | 7.0995% | 4,823 |
| Core capital (leverage) ratio | 7.6614% | 4,643 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0217% | 2,713 |
| Memoranda: | ||
| Average total assets | $900,114,000 | 1,052 |
| Average earning assets | $848,419,667 | 1,036 |
| Average equity | $65,334,333 | 1,429 |
| Average total loans | $562,345,000 | 1,092 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1329% | 3,821 |
| Cost of funding earning assets | 0.2583% | 3,395 |
| Net interest margin | 2.8746% | 3,583 |
| Noninterest income to average assets | 0.8765% | 1,392 |
| Noninterest expense to average assets | 2.8112% | 1,345 |
| Loan and lease loss provision to assets | 0.0344% | 2,318 |
| Net operating income to assets | 0.6015% | 3,940 |
| Return on assets (ROA) | 0.6015% | 4,002 |
| Pretax return on assets | 0.7385% | 3,937 |
| Return on Equity (ROE) | 8.1925% | 3,271 |
| Retained earnings to average equity (ytd only) | 4.1886% | 3,450 |
| Net charge-offs to loans | 0.0176% | 1,396 |
| Credit loss provision to net charge-offs | 304.0000% | 749 |
| Earnings coverage of net charge-offs (x) | 68.3600% | 766 |
| Efficiency ratio | 77.9306% | 960 |
| Assets per employee ($millions) | 5.0506% | 3,599 |
| Cash dividends to net income (ytd only)* | 48.8722% | 1,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6186% | 4,670 |
| Loan loss allowance to noncurrent loans | 556.6246% | 1,083 |
| Noncurrent assets plus other real estate owned to assets | 0.1268% | 3,542 |
| Noncurrent loans to loans | 0.1111% | 3,750 |
| Net loans and leases to total assets | 62.3677% | 2,248 |
| Net loans and leases to deposits | 67.7676% | 2,725 |
| Net loans and leases to core deposits | 68.4873% | 3,019 |
| Total domestic deposits to total assets | 92.0317% | 137 |
| Equity capital to assets | 7.1366% | 4,813 |
| Core capital (leverage) ratio | 7.7541% | 4,694 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5526% | 2,805 |
| Memoranda: | ||
| Average total assets | $884,447,000 | 1,053 |
| Average earning assets | $833,100,500 | 1,044 |
| Average equity | $64,937,500 | 1,428 |
| Average total loans | $567,035,500 | 1,090 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7264% | 3,508 |
| Cost of funding earning assets | 0.4515% | 3,269 |
| Net interest margin | 3.2748% | 3,145 |
| Noninterest income to average assets | 1.4484% | 571 |
| Noninterest expense to average assets | 3.4629% | 733 |
| Loan and lease loss provision to assets | 0.0404% | 3,895 |
| Net operating income to assets | 0.8007% | 3,091 |
| Return on assets (ROA) | 0.8007% | 3,213 |
| Pretax return on assets | 0.9965% | 3,054 |
| Return on Equity (ROE) | 9.6830% | 2,128 |
| Retained earnings to average equity (ytd only) | -3.0984% | 4,768 |
| Net charge-offs to loans | 0.0544% | 2,009 |
| Credit loss provision to net charge-offs | 102.1097% | 2,793 |
| Earnings coverage of net charge-offs (x) | 26.1941% | 1,723 |
| Efficiency ratio | 76.8568% | 1,132 |
| Assets per employee ($millions) | 4.5995% | 3,813 |
| Cash dividends to net income (ytd only)* | 131.9983% | 127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6170% | 4,702 |
| Loan loss allowance to noncurrent loans | 366.0000% | 1,476 |
| Noncurrent assets plus other real estate owned to assets | 0.1708% | 3,421 |
| Noncurrent loans to loans | 0.1686% | 3,604 |
| Net loans and leases to total assets | 65.1171% | 2,212 |
| Net loans and leases to deposits | 71.5117% | 2,732 |
| Net loans and leases to core deposits | 72.4206% | 3,036 |
| Total domestic deposits to total assets | 91.0580% | 212 |
| Equity capital to assets | 7.8295% | 4,764 |
| Core capital (leverage) ratio | 9.2283% | 3,410 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8902% | 2,674 |
| Memoranda: | ||
| Average total assets | $598,718,200 | 1,333 |
| Average earning assets | $557,861,800 | 1,324 |
| Average equity | $49,509,600 | 1,708 |
| Average total loans | $435,494,800 | 1,261 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9013% | 3,248 |
| Cost of funding earning assets | 0.5162% | 3,131 |
| Net interest margin | 3.3851% | 2,963 |
| Noninterest income to average assets | 0.9614% | 1,096 |
| Noninterest expense to average assets | 3.2432% | 994 |
| Loan and lease loss provision to assets | 0.0592% | 3,607 |
| Net operating income to assets | 0.6404% | 3,664 |
| Return on assets (ROA) | 0.6404% | 3,755 |
| Pretax return on assets | 0.7997% | 3,647 |
| Return on Equity (ROE) | 7.5822% | 2,971 |
| Retained earnings to average equity (ytd only) | 1.8911% | 3,967 |
| Net charge-offs to loans | 0.0598% | 1,749 |
| Credit loss provision to net charge-offs | 130.9392% | 2,441 |
| Earnings coverage of net charge-offs (x) | 18.9834% | 1,948 |
| Efficiency ratio | 79.0615% | 935 |
| Assets per employee ($millions) | 4.8094% | 3,480 |
| Cash dividends to net income (ytd only)* | 75.0585% | 696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8400% | 4,255 |
| Loan loss allowance to noncurrent loans | 257.5182% | 1,814 |
| Noncurrent assets plus other real estate owned to assets | 0.2425% | 3,217 |
| Noncurrent loans to loans | 0.3262% | 3,117 |
| Net loans and leases to total assets | 72.7716% | 1,540 |
| Net loans and leases to deposits | 79.8510% | 2,333 |
| Net loans and leases to core deposits | 80.8809% | 2,765 |
| Total domestic deposits to total assets | 91.1343% | 145 |
| Equity capital to assets | 8.0366% | 4,700 |
| Core capital (leverage) ratio | 8.4049% | 4,380 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $533,370,250 | 1,454 |
| Average earning assets | $494,860,750 | 1,445 |
| Average equity | $45,051,500 | 1,836 |
| Average total loans | $403,479,500 | 1,334 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9955% | 3,337 |
| Cost of funding earning assets | 0.5491% | 3,243 |
| Net interest margin | 3.4464% | 2,954 |
| Noninterest income to average assets | 0.9758% | 1,025 |
| Noninterest expense to average assets | 3.2468% | 1,079 |
| Loan and lease loss provision to assets | 0.0799% | 3,295 |
| Net operating income to assets | 0.6749% | 3,486 |
| Return on assets (ROA) | 0.6749% | 3,592 |
| Pretax return on assets | 0.8405% | 3,472 |
| Return on Equity (ROE) | 7.8503% | 2,809 |
| Retained earnings to average equity (ytd only) | 2.8030% | 3,456 |
| Net charge-offs to loans | 0.0935% | 1,325 |
| Credit loss provision to net charge-offs | 111.8280% | 2,327 |
| Earnings coverage of net charge-offs (x) | 12.8763% | 2,027 |
| Efficiency ratio | 77.9120% | 1,066 |
| Assets per employee ($millions) | 4.8084% | 3,406 |
| Cash dividends to net income (ytd only)* | 64.2938% | 1,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8420% | 4,216 |
| Loan loss allowance to noncurrent loans | 225.2740% | 1,957 |
| Noncurrent assets plus other real estate owned to assets | 0.2757% | 3,216 |
| Noncurrent loans to loans | 0.3738% | 3,072 |
| Net loans and leases to total assets | 73.1348% | 1,539 |
| Net loans and leases to deposits | 80.3518% | 2,385 |
| Net loans and leases to core deposits | 81.4060% | 2,827 |
| Total domestic deposits to total assets | 91.0183% | 144 |
| Equity capital to assets | 8.1491% | 4,651 |
| Core capital (leverage) ratio | 8.8081% | 4,107 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $520,387,667 | 1,462 |
| Average earning assets | $481,888,667 | 1,453 |
| Average equity | $44,737,000 | 1,835 |
| Average total loans | $397,968,333 | 1,329 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1896% | 3,250 |
| Cost of funding earning assets | 0.6064% | 3,401 |
| Net interest margin | 3.5832% | 2,723 |
| Noninterest income to average assets | 1.0702% | 739 |
| Noninterest expense to average assets | 3.3968% | 1,071 |
| Loan and lease loss provision to assets | 0.0911% | 2,547 |
| Net operating income to assets | 0.7193% | 3,208 |
| Return on assets (ROA) | 0.7193% | 3,291 |
| Pretax return on assets | 0.8832% | 3,182 |
| Return on Equity (ROE) | 8.1480% | 2,456 |
| Retained earnings to average equity (ytd only) | 1.0864% | 3,718 |
| Net charge-offs to loans | 0.1602% | 815 |
| Credit loss provision to net charge-offs | 75.0000% | 1,951 |
| Earnings coverage of net charge-offs (x) | 7.8141% | 1,897 |
| Efficiency ratio | 77.7107% | 1,374 |
| Assets per employee ($millions) | 4.2868% | 3,546 |
| Cash dividends to net income (ytd only)* | 86.6667% | 910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8902% | 4,143 |
| Loan loss allowance to noncurrent loans | 206.6827% | 2,012 |
| Noncurrent assets plus other real estate owned to assets | 0.3405% | 3,082 |
| Noncurrent loans to loans | 0.4307% | 2,962 |
| Net loans and leases to total assets | 76.2049% | 1,265 |
| Net loans and leases to deposits | 84.8430% | 2,125 |
| Net loans and leases to core deposits | 86.2829% | 2,656 |
| Total domestic deposits to total assets | 89.8187% | 383 |
| Equity capital to assets | 8.7815% | 4,702 |
| Core capital (leverage) ratio | 9.6071% | 3,876 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $500,472,500 | 1,465 |
| Average earning assets | $461,045,500 | 1,460 |
| Average equity | $44,182,500 | 1,842 |
| Average total loans | $389,482,000 | 1,323 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5399% | 2,808 |
| Cost of funding earning assets | 0.5749% | 3,742 |
| Net interest margin | 3.9650% | 1,959 |
| Noninterest income to average assets | 0.9558% | 1,066 |
| Noninterest expense to average assets | 3.4433% | 1,039 |
| Loan and lease loss provision to assets | 0.0325% | 3,362 |
| Net operating income to assets | 0.9308% | 3,088 |
| Return on assets (ROA) | 0.9312% | 3,166 |
| Pretax return on assets | 1.1372% | 3,048 |
| Return on Equity (ROE) | 10.3516% | 2,142 |
| Retained earnings to average equity (ytd only) | 8.1138% | 945 |
| Net charge-offs to loans | 0.0148% | 3,176 |
| Credit loss provision to net charge-offs | 275.4386% | 1,022 |
| Earnings coverage of net charge-offs (x) | 99.1579% | 683 |
| Efficiency ratio | 74.6502% | 1,533 |
| Assets per employee ($millions) | 4.0934% | 3,780 |
| Cash dividends to net income (ytd only)* | 21.6174% | 3,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8827% | 4,042 |
| Loan loss allowance to noncurrent loans | 305.9031% | 1,494 |
| Noncurrent assets plus other real estate owned to assets | 0.3606% | 2,957 |
| Noncurrent loans to loans | 0.2886% | 3,402 |
| Net loans and leases to total assets | 78.0652% | 1,075 |
| Net loans and leases to deposits | 86.5729% | 2,022 |
| Net loans and leases to core deposits | 88.0678% | 2,599 |
| Total domestic deposits to total assets | 90.1728% | 267 |
| Equity capital to assets | 8.8750% | 4,754 |
| Core capital (leverage) ratio | 9.6678% | 3,881 |
| Tier 1 risk-based capital ratio | 11.4716% | 4,644 |
| Total risk-based capital ratio | 12.3463% | 4,711 |
| Memoranda: | ||
| Average total assets | $483,368,200 | 1,468 |
| Average earning assets | $445,802,000 | 1,467 |
| Average equity | $43,481,400 | 1,805 |
| Average total loans | $384,440,600 | 1,309 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5760% | 2,808 |
| Cost of funding earning assets | 0.5541% | 3,904 |
| Net interest margin | 4.0219% | 1,863 |
| Noninterest income to average assets | 0.9471% | 1,047 |
| Noninterest expense to average assets | 3.3071% | 1,251 |
| Loan and lease loss provision to assets | 0.0420% | 3,058 |
| Net operating income to assets | 1.0551% | 2,766 |
| Return on assets (ROA) | 1.0555% | 2,843 |
| Pretax return on assets | 1.3050% | 2,654 |
| Return on Equity (ROE) | 11.6933% | 1,720 |
| Retained earnings to average equity (ytd only) | 9.4502% | 910 |
| Net charge-offs to loans | 0.0119% | 2,938 |
| Credit loss provision to net charge-offs | 444.1176% | 699 |
| Earnings coverage of net charge-offs (x) | 142.3894% | 559 |
| Efficiency ratio | 71.0657% | 1,959 |
| Assets per employee ($millions) | 4.1422% | 3,695 |
| Cash dividends to net income (ytd only)* | 19.1831% | 3,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8915% | 4,076 |
| Loan loss allowance to noncurrent loans | 315.4611% | 1,455 |
| Noncurrent assets plus other real estate owned to assets | 0.3644% | 3,042 |
| Noncurrent loans to loans | 0.2826% | 3,525 |
| Net loans and leases to total assets | 80.7273% | 745 |
| Net loans and leases to deposits | 89.9223% | 1,706 |
| Net loans and leases to core deposits | 91.5597% | 2,409 |
| Total domestic deposits to total assets | 89.7744% | 345 |
| Equity capital to assets | 9.4033% | 4,527 |
| Core capital (leverage) ratio | 9.6117% | 4,057 |
| Tier 1 risk-based capital ratio | 11.5832% | 4,634 |
| Total risk-based capital ratio | 12.4789% | 4,696 |
| Memoranda: | ||
| Average total assets | $479,363,000 | 1,486 |
| Average earning assets | $441,771,500 | 1,484 |
| Average equity | $43,271,500 | 1,819 |
| Average total loans | $382,220,500 | 1,325 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5604% | 2,802 |
| Cost of funding earning assets | 0.5065% | 4,091 |
| Net interest margin | 4.0540% | 1,747 |
| Noninterest income to average assets | 0.9470% | 975 |
| Noninterest expense to average assets | 3.2761% | 1,329 |
| Loan and lease loss provision to assets | -0.0013% | 5,083 |
| Net operating income to assets | 1.1403% | 2,371 |
| Return on assets (ROA) | 1.1403% | 2,444 |
| Pretax return on assets | 1.4121% | 2,160 |
| Return on Equity (ROE) | 12.8112% | 1,302 |
| Retained earnings to average equity (ytd only) | 10.5220% | 634 |
| Net charge-offs to loans | 0.0069% | 2,906 |
| Credit loss provision to net charge-offs | -23.0769% | 3,780 |
| Earnings coverage of net charge-offs (x) | 259.9231% | 312 |
| Efficiency ratio | 69.8976% | 2,239 |
| Assets per employee ($millions) | 4.0344% | 3,821 |
| Cash dividends to net income (ytd only)* | 17.8689% | 3,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8806% | 4,168 |
| Loan loss allowance to noncurrent loans | 289.3103% | 1,621 |
| Noncurrent assets plus other real estate owned to assets | 0.3976% | 2,912 |
| Noncurrent loans to loans | 0.3044% | 3,457 |
| Net loans and leases to total assets | 78.6856% | 1,090 |
| Net loans and leases to deposits | 87.2810% | 2,088 |
| Net loans and leases to core deposits | 89.1683% | 2,671 |
| Total domestic deposits to total assets | 90.1520% | 297 |
| Equity capital to assets | 9.2088% | 4,645 |
| Core capital (leverage) ratio | 9.6155% | 4,019 |
| Tier 1 risk-based capital ratio | 11.5271% | 4,669 |
| Total risk-based capital ratio | 12.4025% | 4,747 |
| Memoranda: | ||
| Average total assets | $478,986,670 | 1,489 |
| Average earning assets | $441,889,000 | 1,490 |
| Average equity | $42,634,670 | 1,841 |
| Average total loans | $379,168,330 | 1,338 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4815% | 2,929 |
| Cost of funding earning assets | 0.4996% | 4,063 |
| Net interest margin | 3.9820% | 1,904 |
| Noninterest income to average assets | 0.8737% | 1,106 |
| Noninterest expense to average assets | 3.1804% | 1,542 |
| Loan and lease loss provision to assets | -0.0100% | 5,209 |
| Net operating income to assets | 1.1111% | 2,429 |
| Return on assets (ROA) | 1.1111% | 2,475 |
| Pretax return on assets | 1.3753% | 2,169 |
| Return on Equity (ROE) | 12.7036% | 1,324 |
| Retained earnings to average equity (ytd only) | 10.3330% | 956 |
| Net charge-offs to loans | -0.1058% | 5,039 |
| Credit loss provision to net charge-offs | 12.0000% | 2,172 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9651% | 2,348 |
| Assets per employee ($millions) | 4.2380% | 3,564 |
| Cash dividends to net income (ytd only)* | 18.6606% | 2,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9093% | 4,113 |
| Loan loss allowance to noncurrent loans | 322.7612% | 1,477 |
| Noncurrent assets plus other real estate owned to assets | 0.3521% | 3,193 |
| Noncurrent loans to loans | 0.2817% | 3,553 |
| Net loans and leases to total assets | 77.3687% | 1,256 |
| Net loans and leases to deposits | 85.3655% | 2,205 |
| Net loans and leases to core deposits | 87.2467% | 2,759 |
| Total domestic deposits to total assets | 90.6323% | 244 |
| Equity capital to assets | 8.7581% | 4,851 |
| Core capital (leverage) ratio | 9.3844% | 4,274 |
| Tier 1 risk-based capital ratio | 11.3379% | 4,813 |
| Total risk-based capital ratio | 12.2471% | 4,880 |
| Memoranda: | ||
| Average total assets | $478,431,500 | 1,496 |
| Average earning assets | $441,189,500 | 1,504 |
| Average equity | $41,846,500 | 1,862 |
| Average total loans | $378,191,000 | 1,345 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3063% | 3,089 |
| Cost of funding earning assets | 0.4450% | 3,712 |
| Net interest margin | 3.8613% | 2,463 |
| Noninterest income to average assets | 0.9108% | 1,156 |
| Noninterest expense to average assets | 3.1862% | 1,586 |
| Loan and lease loss provision to assets | 0.1301% | 1,694 |
| Net operating income to assets | 0.9423% | 3,280 |
| Return on assets (ROA) | 0.9423% | 3,266 |
| Pretax return on assets | 1.1458% | 3,116 |
| Return on Equity (ROE) | 11.0378% | 2,069 |
| Retained earnings to average equity (ytd only) | 7.3280% | 1,527 |
| Net charge-offs to loans | 0.0522% | 2,405 |
| Credit loss provision to net charge-offs | 314.1361% | 994 |
| Earnings coverage of net charge-offs (x) | 30.8168% | 1,567 |
| Efficiency ratio | 71.4064% | 1,981 |
| Assets per employee ($millions) | 4.1548% | 3,680 |
| Cash dividends to net income (ytd only)* | 33.6094% | 2,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8972% | 4,180 |
| Loan loss allowance to noncurrent loans | 366.9206% | 1,403 |
| Noncurrent assets plus other real estate owned to assets | 0.3293% | 3,237 |
| Noncurrent loans to loans | 0.2445% | 3,709 |
| Net loans and leases to total assets | 79.3362% | 1,046 |
| Net loans and leases to deposits | 87.5794% | 2,107 |
| Net loans and leases to core deposits | 89.5829% | 2,608 |
| Total domestic deposits to total assets | 90.5878% | 300 |
| Equity capital to assets | 8.7346% | 4,778 |
| Core capital (leverage) ratio | 9.1530% | 4,506 |
| Tier 1 risk-based capital ratio | 11.1432% | 4,895 |
| Total risk-based capital ratio | 12.0377% | 4,962 |
| Memoranda: | ||
| Average total assets | $461,340,400 | 1,512 |
| Average earning assets | $424,285,400 | 1,514 |
| Average equity | $39,383,000 | 1,890 |
| Average total loans | $365,673,200 | 1,342 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2209% | 3,247 |
| Cost of funding earning assets | 0.4354% | 3,624 |
| Net interest margin | 3.7855% | 2,700 |
| Noninterest income to average assets | 0.8683% | 1,290 |
| Noninterest expense to average assets | 3.1171% | 1,717 |
| Loan and lease loss provision to assets | 0.1634% | 1,164 |
| Net operating income to assets | 0.8703% | 3,659 |
| Return on assets (ROA) | 0.8703% | 3,661 |
| Pretax return on assets | 1.0683% | 3,508 |
| Return on Equity (ROE) | 10.2555% | 2,501 |
| Retained earnings to average equity (ytd only) | 5.9180% | 2,695 |
| Net charge-offs to loans | 0.0698% | 1,839 |
| Credit loss provision to net charge-offs | 296.3158% | 1,033 |
| Earnings coverage of net charge-offs (x) | 22.3313% | 1,882 |
| Efficiency ratio | 71.6775% | 1,938 |
| Assets per employee ($millions) | 4.2083% | 3,564 |
| Cash dividends to net income (ytd only)* | 42.2948% | 1,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8957% | 4,282 |
| Loan loss allowance to noncurrent loans | 340.4082% | 1,507 |
| Noncurrent assets plus other real estate owned to assets | 0.2822% | 3,556 |
| Noncurrent loans to loans | 0.2631% | 3,743 |
| Net loans and leases to total assets | 78.3137% | 1,293 |
| Net loans and leases to deposits | 86.1073% | 2,351 |
| Net loans and leases to core deposits | 88.2904% | 2,822 |
| Total domestic deposits to total assets | 90.9489% | 235 |
| Equity capital to assets | 8.3910% | 4,986 |
| Core capital (leverage) ratio | 9.0341% | 4,673 |
| Tier 1 risk-based capital ratio | 10.9449% | 5,062 |
| Total risk-based capital ratio | 11.8400% | 5,126 |
| Memoranda: | ||
| Average total assets | $459,301,000 | 1,525 |
| Average earning assets | $422,300,500 | 1,528 |
| Average equity | $38,976,500 | 1,908 |
| Average total loans | $363,128,000 | 1,352 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1637% | 3,226 |
| Cost of funding earning assets | 0.4248% | 3,540 |
| Net interest margin | 3.7389% | 2,795 |
| Noninterest income to average assets | 0.9018% | 1,180 |
| Noninterest expense to average assets | 3.0868% | 1,823 |
| Loan and lease loss provision to assets | 0.0307% | 3,296 |
| Net operating income to assets | 0.9914% | 3,064 |
| Return on assets (ROA) | 0.9914% | 3,064 |
| Pretax return on assets | 1.2216% | 2,867 |
| Return on Equity (ROE) | 11.6383% | 1,859 |
| Retained earnings to average equity (ytd only) | 6.6468% | 2,231 |
| Net charge-offs to loans | 0.0272% | 2,309 |
| Credit loss provision to net charge-offs | 142.8571% | 1,621 |
| Earnings coverage of net charge-offs (x) | 58.1837% | 1,018 |
| Efficiency ratio | 71.1379% | 2,138 |
| Assets per employee ($millions) | 4.1069% | 3,716 |
| Cash dividends to net income (ytd only)* | 42.8888% | 1,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8283% | 4,613 |
| Loan loss allowance to noncurrent loans | 294.5706% | 1,663 |
| Noncurrent assets plus other real estate owned to assets | 0.2415% | 3,801 |
| Noncurrent loans to loans | 0.2812% | 3,693 |
| Net loans and leases to total assets | 77.6761% | 1,365 |
| Net loans and leases to deposits | 85.5357% | 2,373 |
| Net loans and leases to core deposits | 87.6326% | 2,754 |
| Total domestic deposits to total assets | 90.8113% | 302 |
| Equity capital to assets | 8.5350% | 4,919 |
| Core capital (leverage) ratio | 9.1313% | 4,536 |
| Tier 1 risk-based capital ratio | 11.1459% | 4,973 |
| Total risk-based capital ratio | 11.9702% | 5,081 |
| Memoranda: | ||
| Average total assets | $455,293,000 | 1,543 |
| Average earning assets | $418,569,000 | 1,547 |
| Average equity | $38,785,670 | 1,910 |
| Average total loans | $360,021,330 | 1,360 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1079% | 3,213 |
| Cost of funding earning assets | 0.4261% | 3,394 |
| Net interest margin | 3.6818% | 2,871 |
| Noninterest income to average assets | 0.8681% | 1,234 |
| Noninterest expense to average assets | 3.0387% | 1,972 |
| Loan and lease loss provision to assets | 0.0009% | 3,503 |
| Net operating income to assets | 0.9838% | 2,918 |
| Return on assets (ROA) | 0.9838% | 2,953 |
| Pretax return on assets | 1.2160% | 2,694 |
| Return on Equity (ROE) | 11.5593% | 1,738 |
| Retained earnings to average equity (ytd only) | 8.2596% | 1,743 |
| Net charge-offs to loans | -0.0033% | 3,900 |
| Credit loss provision to net charge-offs | -33.3333% | 3,590 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4049% | 2,280 |
| Assets per employee ($millions) | 4.3275% | 3,437 |
| Cash dividends to net income (ytd only)* | 28.5458% | 2,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8196% | 4,734 |
| Loan loss allowance to noncurrent loans | 377.9618% | 1,379 |
| Noncurrent assets plus other real estate owned to assets | 0.2097% | 4,046 |
| Noncurrent loans to loans | 0.2169% | 4,000 |
| Net loans and leases to total assets | 77.5374% | 1,309 |
| Net loans and leases to deposits | 87.2734% | 2,020 |
| Net loans and leases to core deposits | 89.3094% | 2,512 |
| Total domestic deposits to total assets | 88.8442% | 1,181 |
| Equity capital to assets | 8.3829% | 5,058 |
| Core capital (leverage) ratio | 9.0731% | 4,600 |
| Tier 1 risk-based capital ratio | 10.9109% | 5,179 |
| Total risk-based capital ratio | 11.7221% | 5,270 |
| Memoranda: | ||
| Average total assets | $452,951,000 | 1,561 |
| Average earning assets | $416,758,000 | 1,566 |
| Average equity | $38,549,000 | 1,937 |
| Average total loans | $359,894,000 | 1,367 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0213% | 3,334 |
| Cost of funding earning assets | 0.4048% | 3,204 |
| Net interest margin | 3.6165% | 3,113 |
| Noninterest income to average assets | 0.8671% | 1,364 |
| Noninterest expense to average assets | 3.1282% | 1,783 |
| Loan and lease loss provision to assets | 0.0571% | 3,086 |
| Net operating income to assets | 0.6519% | 3,812 |
| Return on assets (ROA) | 0.6519% | 3,850 |
| Pretax return on assets | 1.0219% | 3,486 |
| Return on Equity (ROE) | 7.7151% | 2,941 |
| Retained earnings to average equity (ytd only) | 4.7574% | 2,286 |
| Net charge-offs to loans | 0.0540% | 2,725 |
| Credit loss provision to net charge-offs | 134.3915% | 1,970 |
| Earnings coverage of net charge-offs (x) | 25.3810% | 1,720 |
| Efficiency ratio | 74.3531% | 1,850 |
| Assets per employee ($millions) | 4.1389% | 3,759 |
| Cash dividends to net income (ytd only)* | 38.3368% | 2,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8281% | 4,746 |
| Loan loss allowance to noncurrent loans | 409.8202% | 1,297 |
| Noncurrent assets plus other real estate owned to assets | 0.2138% | 4,066 |
| Noncurrent loans to loans | 0.2021% | 4,105 |
| Net loans and leases to total assets | 80.1218% | 943 |
| Net loans and leases to deposits | 88.3345% | 1,981 |
| Net loans and leases to core deposits | 89.6925% | 2,594 |
| Total domestic deposits to total assets | 90.7027% | 335 |
| Equity capital to assets | 8.6442% | 4,995 |
| Core capital (leverage) ratio | 9.0555% | 4,579 |
| Tier 1 risk-based capital ratio | 10.7697% | 5,263 |
| Total risk-based capital ratio | 11.5882% | 5,352 |
| Memoranda: | ||
| Average total assets | $444,564,000 | 1,562 |
| Average earning assets | $410,588,400 | 1,564 |
| Average equity | $37,562,800 | 1,948 |
| Average total loans | $350,032,600 | 1,376 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9740% | 3,450 |
| Cost of funding earning assets | 0.4018% | 3,173 |
| Net interest margin | 3.5722% | 3,256 |
| Noninterest income to average assets | 0.8806% | 1,336 |
| Noninterest expense to average assets | 3.0418% | 1,990 |
| Loan and lease loss provision to assets | 0.0668% | 2,731 |
| Net operating income to assets | 0.7491% | 3,743 |
| Return on assets (ROA) | 0.7491% | 3,803 |
| Pretax return on assets | 1.0754% | 3,401 |
| Return on Equity (ROE) | 8.9165% | 2,654 |
| Retained earnings to average equity (ytd only) | 6.0097% | 2,232 |
| Net charge-offs to loans | 0.0471% | 2,499 |
| Credit loss provision to net charge-offs | 181.3008% | 1,461 |
| Earnings coverage of net charge-offs (x) | 30.9911% | 1,526 |
| Efficiency ratio | 72.7012% | 2,097 |
| Assets per employee ($millions) | 4.1656% | 3,713 |
| Cash dividends to net income (ytd only)* | 32.6000% | 2,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8438% | 4,783 |
| Loan loss allowance to noncurrent loans | 393.9553% | 1,283 |
| Noncurrent assets plus other real estate owned to assets | 0.2281% | 4,148 |
| Noncurrent loans to loans | 0.2142% | 4,209 |
| Net loans and leases to total assets | 79.7895% | 1,014 |
| Net loans and leases to deposits | 88.0313% | 2,059 |
| Net loans and leases to core deposits | 89.4023% | 2,662 |
| Total domestic deposits to total assets | 90.6376% | 283 |
| Equity capital to assets | 8.6762% | 5,164 |
| Core capital (leverage) ratio | 8.9460% | 4,809 |
| Tier 1 risk-based capital ratio | 10.7011% | 5,371 |
| Total risk-based capital ratio | 11.5342% | 5,463 |
| Memoranda: | ||
| Average total assets | $444,989,500 | 1,571 |
| Average earning assets | $411,499,500 | 1,572 |
| Average equity | $37,383,000 | 1,965 |
| Average total loans | $348,092,750 | 1,393 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8794% | 3,630 |
| Cost of funding earning assets | 0.3980% | 3,097 |
| Net interest margin | 3.4814% | 3,469 |
| Noninterest income to average assets | 0.8621% | 1,386 |
| Noninterest expense to average assets | 2.9973% | 2,119 |
| Loan and lease loss provision to assets | 0.0838% | 2,309 |
| Net operating income to assets | 0.7029% | 3,838 |
| Return on assets (ROA) | 0.7029% | 3,902 |
| Pretax return on assets | 1.0082% | 3,537 |
| Return on Equity (ROE) | 8.4588% | 2,801 |
| Retained earnings to average equity (ytd only) | 5.6320% | 2,332 |
| Net charge-offs to loans | 0.0469% | 2,279 |
| Credit loss provision to net charge-offs | 230.8642% | 1,136 |
| Earnings coverage of net charge-offs (x) | 30.0741% | 1,460 |
| Efficiency ratio | 73.2953% | 2,131 |
| Assets per employee ($millions) | 4.1217% | 3,747 |
| Cash dividends to net income (ytd only)* | 33.4184% | 2,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8569% | 4,798 |
| Loan loss allowance to noncurrent loans | 87.0472% | 3,804 |
| Noncurrent assets plus other real estate owned to assets | 0.8229% | 2,154 |
| Noncurrent loans to loans | 0.9844% | 1,994 |
| Net loans and leases to total assets | 77.3658% | 1,336 |
| Net loans and leases to deposits | 85.0643% | 2,345 |
| Net loans and leases to core deposits | 86.2563% | 2,853 |
| Total domestic deposits to total assets | 90.9498% | 234 |
| Equity capital to assets | 8.3958% | 5,354 |
| Core capital (leverage) ratio | 8.6660% | 5,072 |
| Tier 1 risk-based capital ratio | 10.6892% | 5,383 |
| Total risk-based capital ratio | 11.5389% | 5,481 |
| Memoranda: | ||
| Average total assets | $446,135,330 | 1,574 |
| Average earning assets | $413,568,000 | 1,566 |
| Average equity | $37,074,000 | 1,976 |
| Average total loans | $345,687,000 | 1,403 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8162% | 3,708 |
| Cost of funding earning assets | 0.3937% | 3,058 |
| Net interest margin | 3.4225% | 3,559 |
| Noninterest income to average assets | 0.8862% | 1,290 |
| Noninterest expense to average assets | 2.8837% | 2,507 |
| Loan and lease loss provision to assets | 0.0882% | 2,070 |
| Net operating income to assets | 0.7603% | 3,427 |
| Return on assets (ROA) | 0.7603% | 3,480 |
| Pretax return on assets | 1.0977% | 2,999 |
| Return on Equity (ROE) | 9.1969% | 2,318 |
| Retained earnings to average equity (ytd only) | 5.8991% | 2,392 |
| Net charge-offs to loans | 0.0734% | 1,597 |
| Credit loss provision to net charge-offs | 155.5556% | 1,186 |
| Earnings coverage of net charge-offs (x) | 20.9206% | 1,471 |
| Efficiency ratio | 70.8600% | 2,766 |
| Assets per employee ($millions) | 4.2860% | 3,523 |
| Cash dividends to net income (ytd only)* | 35.8580% | 2,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8498% | 4,927 |
| Loan loss allowance to noncurrent loans | 61.5918% | 4,390 |
| Noncurrent assets plus other real estate owned to assets | 1.1808% | 1,490 |
| Noncurrent loans to loans | 1.3797% | 1,461 |
| Net loans and leases to total assets | 76.0460% | 1,412 |
| Net loans and leases to deposits | 83.4584% | 2,347 |
| Net loans and leases to core deposits | 84.6208% | 2,843 |
| Total domestic deposits to total assets | 91.1185% | 270 |
| Equity capital to assets | 8.2478% | 5,387 |
| Core capital (leverage) ratio | 8.8606% | 4,892 |
| Tier 1 risk-based capital ratio | 10.7442% | 5,441 |
| Total risk-based capital ratio | 11.5870% | 5,541 |
| Memoranda: | ||
| Average total assets | $444,571,500 | 1,584 |
| Average earning assets | $413,504,000 | 1,577 |
| Average equity | $36,751,500 | 1,995 |
| Average total loans | $343,240,500 | 1,419 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0904% | 2,892 |
| Cost of funding earning assets | 0.4098% | 2,909 |
| Net interest margin | 3.6806% | 2,772 |
| Noninterest income to average assets | 0.9367% | 1,304 |
| Noninterest expense to average assets | 3.2040% | 1,780 |
| Loan and lease loss provision to assets | 0.0223% | 3,926 |
| Net operating income to assets | 0.7704% | 3,452 |
| Return on assets (ROA) | 0.7809% | 3,495 |
| Pretax return on assets | 1.1453% | 2,916 |
| Return on Equity (ROE) | 8.6869% | 2,574 |
| Retained earnings to average equity (ytd only) | 5.8498% | 1,789 |
| Net charge-offs to loans | 0.0245% | 3,554 |
| Credit loss provision to net charge-offs | 111.2500% | 2,357 |
| Earnings coverage of net charge-offs (x) | 57.4250% | 925 |
| Efficiency ratio | 73.5521% | 2,344 |
| Assets per employee ($millions) | 4.1816% | 3,644 |
| Cash dividends to net income (ytd only)* | 32.6590% | 3,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8491% | 4,962 |
| Loan loss allowance to noncurrent loans | 350.0000% | 1,435 |
| Noncurrent assets plus other real estate owned to assets | 0.3348% | 3,943 |
| Noncurrent loans to loans | 0.2426% | 4,279 |
| Net loans and leases to total assets | 77.0780% | 1,350 |
| Net loans and leases to deposits | 84.6566% | 2,343 |
| Net loans and leases to core deposits | 85.8881% | 2,860 |
| Total domestic deposits to total assets | 91.0478% | 264 |
| Equity capital to assets | 8.2871% | 5,428 |
| Core capital (leverage) ratio | 8.9387% | 4,811 |
| Tier 1 risk-based capital ratio | 10.8193% | 5,422 |
| Total risk-based capital ratio | 11.6718% | 5,547 |
| Memoranda: | ||
| Average total assets | $398,745,400 | 1,689 |
| Average earning assets | $370,453,000 | 1,678 |
| Average equity | $35,847,200 | 2,034 |
| Average total loans | $326,058,200 | 1,428 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1505% | 2,682 |
| Cost of funding earning assets | 0.4105% | 2,923 |
| Net interest margin | 3.7401% | 2,550 |
| Noninterest income to average assets | 0.9622% | 1,232 |
| Noninterest expense to average assets | 3.2404% | 1,707 |
| Loan and lease loss provision to assets | 0.0302% | 3,634 |
| Net operating income to assets | 0.7931% | 3,400 |
| Return on assets (ROA) | 0.8075% | 3,471 |
| Pretax return on assets | 1.1825% | 2,908 |
| Return on Equity (ROE) | 8.7885% | 2,612 |
| Retained earnings to average equity (ytd only) | 5.9250% | 2,222 |
| Net charge-offs to loans | 0.0459% | 2,730 |
| Credit loss provision to net charge-offs | 79.2793% | 2,673 |
| Earnings coverage of net charge-offs (x) | 31.2875% | 1,445 |
| Efficiency ratio | 73.1171% | 2,417 |
| Assets per employee ($millions) | 3.8637% | 4,188 |
| Cash dividends to net income (ytd only)* | 32.5828% | 2,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8469% | 5,055 |
| Loan loss allowance to noncurrent loans | 220.2921% | 2,077 |
| Noncurrent assets plus other real estate owned to assets | 0.4761% | 3,530 |
| Noncurrent loans to loans | 0.3845% | 3,881 |
| Net loans and leases to total assets | 79.6708% | 936 |
| Net loans and leases to deposits | 87.9445% | 2,024 |
| Net loans and leases to core deposits | 89.4590% | 2,629 |
| Total domestic deposits to total assets | 90.5922% | 300 |
| Equity capital to assets | 8.6788% | 5,414 |
| Core capital (leverage) ratio | 9.1607% | 4,649 |
| Tier 1 risk-based capital ratio | 10.8588% | 5,448 |
| Total risk-based capital ratio | 11.7170% | 5,557 |
| Memoranda: | ||
| Average total assets | $388,665,000 | 1,727 |
| Average earning assets | $360,555,500 | 1,722 |
| Average equity | $35,712,500 | 2,048 |
| Average total loans | $322,242,250 | 1,445 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2061% | 2,495 |
| Cost of funding earning assets | 0.4093% | 2,945 |
| Net interest margin | 3.7968% | 2,333 |
| Noninterest income to average assets | 0.8533% | 1,533 |
| Noninterest expense to average assets | 3.2987% | 1,596 |
| Loan and lease loss provision to assets | 0.0132% | 3,841 |
| Net operating income to assets | 0.7248% | 3,674 |
| Return on assets (ROA) | 0.7474% | 3,715 |
| Pretax return on assets | 1.0899% | 3,239 |
| Return on Equity (ROE) | 7.9699% | 2,994 |
| Retained earnings to average equity (ytd only) | 5.1025% | 2,661 |
| Net charge-offs to loans | 0.0366% | 2,725 |
| Credit loss provision to net charge-offs | 43.1034% | 2,743 |
| Earnings coverage of net charge-offs (x) | 34.8621% | 1,266 |
| Efficiency ratio | 75.5028% | 2,147 |
| Assets per employee ($millions) | 3.4141% | 4,898 |
| Cash dividends to net income (ytd only)* | 35.9773% | 2,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8643% | 5,081 |
| Loan loss allowance to noncurrent loans | 208.4672% | 2,200 |
| Noncurrent assets plus other real estate owned to assets | 0.5526% | 3,368 |
| Noncurrent loans to loans | 0.4146% | 3,868 |
| Net loans and leases to total assets | 84.9152% | 340 |
| Net loans and leases to deposits | 94.4184% | 1,246 |
| Net loans and leases to core deposits | 96.2035% | 1,959 |
| Total domestic deposits to total assets | 89.9350% | 514 |
| Equity capital to assets | 9.2918% | 4,981 |
| Core capital (leverage) ratio | 9.6426% | 4,007 |
| Tier 1 risk-based capital ratio | 10.8904% | 5,485 |
| Total risk-based capital ratio | 11.7654% | 5,580 |
| Memoranda: | ||
| Average total assets | $377,840,330 | 1,774 |
| Average earning assets | $349,874,670 | 1,773 |
| Average equity | $35,433,330 | 2,066 |
| Average total loans | $316,859,330 | 1,463 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1846% | 2,532 |
| Cost of funding earning assets | 0.4089% | 2,978 |
| Net interest margin | 3.7758% | 2,385 |
| Noninterest income to average assets | 0.8752% | 1,372 |
| Noninterest expense to average assets | 3.3039% | 1,593 |
| Loan and lease loss provision to assets | 0.0267% | 3,315 |
| Net operating income to assets | 0.7115% | 3,657 |
| Return on assets (ROA) | 0.7115% | 3,777 |
| Pretax return on assets | 1.0421% | 3,316 |
| Return on Equity (ROE) | 7.5511% | 3,163 |
| Retained earnings to average equity (ytd only) | 4.6556% | 3,149 |
| Net charge-offs to loans | 0.0581% | 1,933 |
| Credit loss provision to net charge-offs | 55.5556% | 2,006 |
| Earnings coverage of net charge-offs (x) | 22.2000% | 1,413 |
| Efficiency ratio | 75.5566% | 2,239 |
| Assets per employee ($millions) | 3.4299% | 4,919 |
| Cash dividends to net income (ytd only)* | 38.3459% | 2,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9136% | 5,012 |
| Loan loss allowance to noncurrent loans | 255.4764% | 1,842 |
| Noncurrent assets plus other real estate owned to assets | 0.7843% | 2,738 |
| Noncurrent loans to loans | 0.3576% | 4,150 |
| Net loans and leases to total assets | 82.4745% | 510 |
| Net loans and leases to deposits | 91.8498% | 1,368 |
| Net loans and leases to core deposits | 93.2353% | 2,068 |
| Total domestic deposits to total assets | 89.7927% | 682 |
| Equity capital to assets | 9.4121% | 4,759 |
| Core capital (leverage) ratio | 9.8245% | 3,745 |
| Tier 1 risk-based capital ratio | 11.3086% | 5,339 |
| Total risk-based capital ratio | 12.2314% | 5,421 |
| Memoranda: | ||
| Average total assets | $373,864,000 | 1,792 |
| Average earning assets | $346,315,000 | 1,793 |
| Average equity | $35,226,500 | 2,071 |
| Average total loans | $310,062,500 | 1,483 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0998% | 2,921 |
| Cost of funding earning assets | 0.4682% | 2,454 |
| Net interest margin | 3.6317% | 3,008 |
| Noninterest income to average assets | 0.9780% | 1,241 |
| Noninterest expense to average assets | 3.1734% | 2,027 |
| Loan and lease loss provision to assets | 0.0321% | 3,724 |
| Net operating income to assets | 0.7721% | 3,453 |
| Return on assets (ROA) | 0.7721% | 3,534 |
| Pretax return on assets | 1.1415% | 2,875 |
| Return on Equity (ROE) | 8.4157% | 2,754 |
| Retained earnings to average equity (ytd only) | 5.4999% | 2,084 |
| Net charge-offs to loans | 0.1041% | 2,362 |
| Credit loss provision to net charge-offs | 39.6667% | 3,537 |
| Earnings coverage of net charge-offs (x) | 14.5200% | 2,285 |
| Efficiency ratio | 73.0028% | 2,747 |
| Assets per employee ($millions) | 3.3985% | 4,982 |
| Cash dividends to net income (ytd only)* | 34.6476% | 3,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9438% | 4,899 |
| Loan loss allowance to noncurrent loans | 208.2913% | 2,189 |
| Noncurrent assets plus other real estate owned to assets | 0.8422% | 2,558 |
| Noncurrent loans to loans | 0.4531% | 3,849 |
| Net loans and leases to total assets | 81.8488% | 611 |
| Net loans and leases to deposits | 91.2082% | 1,486 |
| Net loans and leases to core deposits | 92.4624% | 2,177 |
| Total domestic deposits to total assets | 89.7384% | 735 |
| Equity capital to assets | 9.4326% | 4,633 |
| Core capital (leverage) ratio | 9.7461% | 3,837 |
| Tier 1 risk-based capital ratio | 11.4523% | 5,283 |
| Total risk-based capital ratio | 12.4052% | 5,342 |
| Memoranda: | ||
| Average total assets | $371,176,200 | 1,765 |
| Average earning assets | $344,332,800 | 1,767 |
| Average equity | $34,055,200 | 2,091 |
| Average total loans | $288,180,600 | 1,517 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9981% | 3,355 |
| Cost of funding earning assets | 0.4837% | 2,374 |
| Net interest margin | 3.5144% | 3,484 |
| Noninterest income to average assets | 0.8929% | 1,472 |
| Noninterest expense to average assets | 3.1419% | 2,108 |
| Loan and lease loss provision to assets | 0.0434% | 3,351 |
| Net operating income to assets | 0.6599% | 4,081 |
| Return on assets (ROA) | 0.6599% | 4,200 |
| Pretax return on assets | 0.9683% | 3,749 |
| Return on Equity (ROE) | 7.2431% | 3,501 |
| Retained earnings to average equity (ytd only) | 4.2482% | 3,444 |
| Net charge-offs to loans | 0.1114% | 2,016 |
| Credit loss provision to net charge-offs | 51.0549% | 3,023 |
| Earnings coverage of net charge-offs (x) | 11.8904% | 2,450 |
| Efficiency ratio | 75.6418% | 2,298 |
| Assets per employee ($millions) | 3.4642% | 4,863 |
| Cash dividends to net income (ytd only)* | 41.3493% | 2,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0086% | 4,705 |
| Loan loss allowance to noncurrent loans | 103.9043% | 3,597 |
| Noncurrent assets plus other real estate owned to assets | 1.2135% | 1,947 |
| Noncurrent loans to loans | 0.9707% | 2,558 |
| Net loans and leases to total assets | 77.4961% | 1,180 |
| Net loans and leases to deposits | 86.1236% | 2,126 |
| Net loans and leases to core deposits | 87.3588% | 2,719 |
| Total domestic deposits to total assets | 89.9824% | 576 |
| Equity capital to assets | 9.1957% | 5,117 |
| Core capital (leverage) ratio | 9.5368% | 4,253 |
| Tier 1 risk-based capital ratio | 11.6173% | 5,317 |
| Total risk-based capital ratio | 12.6288% | 5,352 |
| Memoranda: | ||
| Average total assets | $371,360,750 | 1,780 |
| Average earning assets | $344,558,250 | 1,771 |
| Average equity | $33,833,500 | 2,112 |
| Average total loans | $283,703,750 | 1,542 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9656% | 3,424 |
| Cost of funding earning assets | 0.5014% | 2,240 |
| Net interest margin | 3.4642% | 3,646 |
| Noninterest income to average assets | 0.9303% | 1,353 |
| Noninterest expense to average assets | 3.1028% | 2,238 |
| Loan and lease loss provision to assets | 0.0561% | 2,982 |
| Net operating income to assets | 0.6711% | 4,026 |
| Return on assets (ROA) | 0.6711% | 4,137 |
| Pretax return on assets | 0.9832% | 3,654 |
| Return on Equity (ROE) | 7.3893% | 3,380 |
| Retained earnings to average equity (ytd only) | 4.2624% | 3,313 |
| Net charge-offs to loans | 0.0919% | 2,105 |
| Credit loss provision to net charge-offs | 80.6202% | 2,326 |
| Earnings coverage of net charge-offs (x) | 14.9225% | 2,018 |
| Efficiency ratio | 74.9088% | 2,553 |
| Assets per employee ($millions) | 3.3467% | 5,080 |
| Cash dividends to net income (ytd only)* | 42.3170% | 2,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0863% | 4,402 |
| Loan loss allowance to noncurrent loans | 63.0174% | 4,665 |
| Noncurrent assets plus other real estate owned to assets | 1.4769% | 1,677 |
| Noncurrent loans to loans | 1.7238% | 1,492 |
| Net loans and leases to total assets | 73.9697% | 1,666 |
| Net loans and leases to deposits | 82.0526% | 2,547 |
| Net loans and leases to core deposits | 83.1614% | 3,066 |
| Total domestic deposits to total assets | 90.1491% | 598 |
| Equity capital to assets | 9.0673% | 5,173 |
| Core capital (leverage) ratio | 9.2795% | 4,580 |
| Tier 1 risk-based capital ratio | 11.9886% | 5,161 |
| Total risk-based capital ratio | 13.0717% | 5,166 |
| Memoranda: | ||
| Average total assets | $370,437,670 | 1,794 |
| Average earning assets | $343,452,670 | 1,780 |
| Average equity | $33,643,330 | 2,127 |
| Average total loans | $280,641,670 | 1,558 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9692% | 3,343 |
| Cost of funding earning assets | 0.5111% | 2,190 |
| Net interest margin | 3.4581% | 3,594 |
| Noninterest income to average assets | 0.9135% | 1,343 |
| Noninterest expense to average assets | 3.1067% | 2,248 |
| Loan and lease loss provision to assets | 0.0272% | 3,343 |
| Net operating income to assets | 0.6702% | 3,951 |
| Return on assets (ROA) | 0.6702% | 4,074 |
| Pretax return on assets | 0.9841% | 3,560 |
| Return on Equity (ROE) | 7.3734% | 3,290 |
| Retained earnings to average equity (ytd only) | 4.4217% | 3,374 |
| Net charge-offs to loans | 0.1168% | 1,584 |
| Credit loss provision to net charge-offs | 30.4878% | 2,275 |
| Earnings coverage of net charge-offs (x) | 11.3537% | 1,867 |
| Efficiency ratio | 75.4418% | 2,596 |
| Assets per employee ($millions) | 3.5046% | 4,890 |
| Cash dividends to net income (ytd only)* | 40.0324% | 2,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0834% | 4,601 |
| Loan loss allowance to noncurrent loans | 69.9234% | 4,440 |
| Noncurrent assets plus other real estate owned to assets | 1.4675% | 1,796 |
| Noncurrent loans to loans | 1.5494% | 1,813 |
| Net loans and leases to total assets | 73.3586% | 1,590 |
| Net loans and leases to deposits | 81.3268% | 2,403 |
| Net loans and leases to core deposits | 82.4308% | 2,916 |
| Total domestic deposits to total assets | 90.2022% | 648 |
| Equity capital to assets | 9.0077% | 5,282 |
| Core capital (leverage) ratio | 9.4365% | 4,370 |
| Tier 1 risk-based capital ratio | 11.8173% | 5,362 |
| Total risk-based capital ratio | 12.8837% | 5,388 |
| Memoranda: | ||
| Average total assets | $368,242,000 | 1,805 |
| Average earning assets | $341,230,500 | 1,796 |
| Average equity | $33,471,500 | 2,150 |
| Average total loans | $280,810,000 | 1,556 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2163% | 2,897 |
| Cost of funding earning assets | 0.5945% | 1,809 |
| Net interest margin | 3.6218% | 3,330 |
| Noninterest income to average assets | 0.8085% | 1,841 |
| Noninterest expense to average assets | 3.1971% | 2,221 |
| Loan and lease loss provision to assets | 0.0245% | 4,119 |
| Net operating income to assets | 0.6444% | 4,173 |
| Return on assets (ROA) | 0.6444% | 4,272 |
| Pretax return on assets | 0.9386% | 3,748 |
| Return on Equity (ROE) | 6.9018% | 3,689 |
| Retained earnings to average equity (ytd only) | 3.8767% | 3,461 |
| Net charge-offs to loans | 0.1534% | 2,505 |
| Credit loss provision to net charge-offs | 20.6089% | 3,968 |
| Earnings coverage of net charge-offs (x) | 8.1124% | 2,924 |
| Efficiency ratio | 76.8511% | 2,383 |
| Assets per employee ($millions) | 3.3472% | 5,176 |
| Cash dividends to net income (ytd only)* | 43.8309% | 2,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0828% | 4,628 |
| Loan loss allowance to noncurrent loans | 144.2669% | 2,893 |
| Noncurrent assets plus other real estate owned to assets | 0.8949% | 2,970 |
| Noncurrent loans to loans | 0.7506% | 3,448 |
| Net loans and leases to total assets | 77.5808% | 1,062 |
| Net loans and leases to deposits | 86.2336% | 1,950 |
| Net loans and leases to core deposits | 87.6124% | 2,538 |
| Total domestic deposits to total assets | 89.9658% | 743 |
| Equity capital to assets | 9.1745% | 5,104 |
| Core capital (leverage) ratio | 9.3592% | 4,454 |
| Tier 1 risk-based capital ratio | 11.0771% | 5,878 |
| Total risk-based capital ratio | 12.1082% | 5,895 |
| Memoranda: | ||
| Average total assets | $359,697,800 | 1,815 |
| Average earning assets | $332,876,200 | 1,802 |
| Average equity | $33,585,400 | 2,074 |
| Average total loans | $278,414,000 | 1,526 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2264% | 2,903 |
| Cost of funding earning assets | 0.6051% | 1,786 |
| Net interest margin | 3.6213% | 3,343 |
| Noninterest income to average assets | 0.7779% | 1,975 |
| Noninterest expense to average assets | 3.1439% | 2,339 |
| Loan and lease loss provision to assets | -0.0041% | 6,071 |
| Net operating income to assets | 0.6770% | 4,066 |
| Return on assets (ROA) | 0.6770% | 4,157 |
| Pretax return on assets | 0.9898% | 3,632 |
| Return on Equity (ROE) | 7.2185% | 3,598 |
| Retained earnings to average equity (ytd only) | 4.1554% | 3,700 |
| Net charge-offs to loans | 0.1708% | 2,087 |
| Credit loss provision to net charge-offs | -3.0986% | 5,214 |
| Earnings coverage of net charge-offs (x) | 7.4817% | 2,923 |
| Efficiency ratio | 76.1301% | 2,471 |
| Assets per employee ($millions) | 3.3437% | 5,157 |
| Cash dividends to net income (ytd only)* | 42.4340% | 2,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1250% | 4,639 |
| Loan loss allowance to noncurrent loans | 161.1758% | 2,568 |
| Noncurrent assets plus other real estate owned to assets | 0.8150% | 3,388 |
| Noncurrent loans to loans | 0.6980% | 3,863 |
| Net loans and leases to total assets | 74.0615% | 1,518 |
| Net loans and leases to deposits | 82.5802% | 2,350 |
| Net loans and leases to core deposits | 84.0718% | 2,871 |
| Total domestic deposits to total assets | 89.6843% | 884 |
| Equity capital to assets | 9.4891% | 4,806 |
| Core capital (leverage) ratio | 9.5674% | 4,283 |
| Tier 1 risk-based capital ratio | 11.6355% | 5,713 |
| Total risk-based capital ratio | 12.7047% | 5,748 |
| Memoranda: | ||
| Average total assets | $359,249,000 | 1,830 |
| Average earning assets | $332,505,750 | 1,815 |
| Average equity | $33,690,500 | 2,073 |
| Average total loans | $277,137,750 | 1,550 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2538% | 2,761 |
| Cost of funding earning assets | 0.6152% | 1,767 |
| Net interest margin | 3.6386% | 3,196 |
| Noninterest income to average assets | 0.7830% | 1,906 |
| Noninterest expense to average assets | 3.1788% | 2,254 |
| Loan and lease loss provision to assets | -0.0078% | 6,223 |
| Net operating income to assets | 0.6687% | 4,001 |
| Return on assets (ROA) | 0.6687% | 4,100 |
| Pretax return on assets | 0.9799% | 3,557 |
| Return on Equity (ROE) | 7.1586% | 3,542 |
| Retained earnings to average equity (ytd only) | 3.8868% | 3,708 |
| Net charge-offs to loans | 0.1489% | 2,196 |
| Credit loss provision to net charge-offs | -6.7308% | 5,067 |
| Earnings coverage of net charge-offs (x) | 8.3798% | 2,500 |
| Efficiency ratio | 76.5820% | 2,525 |
| Assets per employee ($millions) | 3.3706% | 5,118 |
| Cash dividends to net income (ytd only)* | 45.7048% | 2,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1345% | 4,741 |
| Loan loss allowance to noncurrent loans | 161.1223% | 2,563 |
| Noncurrent assets plus other real estate owned to assets | 0.9267% | 3,229 |
| Noncurrent loans to loans | 0.7041% | 3,946 |
| Net loans and leases to total assets | 77.7345% | 941 |
| Net loans and leases to deposits | 86.6701% | 1,756 |
| Net loans and leases to core deposits | 88.3193% | 2,278 |
| Total domestic deposits to total assets | 89.6901% | 976 |
| Equity capital to assets | 9.4696% | 4,779 |
| Core capital (leverage) ratio | 9.4440% | 4,405 |
| Tier 1 risk-based capital ratio | 11.1851% | 5,966 |
| Total risk-based capital ratio | 12.2746% | 5,981 |
| Memoranda: | ||
| Average total assets | $358,625,670 | 1,829 |
| Average earning assets | $331,939,330 | 1,817 |
| Average equity | $33,498,330 | 2,068 |
| Average total loans | $279,352,670 | 1,525 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2321% | 2,760 |
| Cost of funding earning assets | 0.6205% | 1,809 |
| Net interest margin | 3.6116% | 3,206 |
| Noninterest income to average assets | 0.7960% | 1,766 |
| Noninterest expense to average assets | 3.0448% | 2,713 |
| Loan and lease loss provision to assets | -0.0245% | 6,427 |
| Net operating income to assets | 0.7570% | 3,370 |
| Return on assets (ROA) | 0.7570% | 3,460 |
| Pretax return on assets | 1.1255% | 2,790 |
| Return on Equity (ROE) | 8.1606% | 2,860 |
| Retained earnings to average equity (ytd only) | 4.7403% | 3,272 |
| Net charge-offs to loans | 0.2326% | 1,392 |
| Credit loss provision to net charge-offs | -13.5802% | 4,683 |
| Earnings coverage of net charge-offs (x) | 6.1049% | 2,279 |
| Efficiency ratio | 73.4425% | 3,237 |
| Assets per employee ($millions) | 3.4325% | 5,070 |
| Cash dividends to net income (ytd only)* | 41.9118% | 1,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1543% | 4,845 |
| Loan loss allowance to noncurrent loans | 147.1259% | 2,685 |
| Noncurrent assets plus other real estate owned to assets | 0.9958% | 3,277 |
| Noncurrent loans to loans | 0.7846% | 3,904 |
| Net loans and leases to total assets | 76.6243% | 930 |
| Net loans and leases to deposits | 85.2772% | 1,698 |
| Net loans and leases to core deposits | 86.7500% | 2,232 |
| Total domestic deposits to total assets | 89.8532% | 1,151 |
| Equity capital to assets | 9.2897% | 4,768 |
| Core capital (leverage) ratio | 9.2846% | 4,598 |
| Tier 1 risk-based capital ratio | 11.1654% | 6,090 |
| Total risk-based capital ratio | 12.2753% | 6,094 |
| Memoranda: | ||
| Average total assets | $359,299,000 | 1,832 |
| Average earning assets | $333,262,000 | 1,811 |
| Average equity | $33,331,000 | 2,068 |
| Average total loans | $278,571,000 | 1,538 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4659% | 2,342 |
| Cost of funding earning assets | 0.9562% | 563 |
| Net interest margin | 3.5097% | 3,856 |
| Noninterest income to average assets | 1.1811% | 1,017 |
| Noninterest expense to average assets | 3.2724% | 2,211 |
| Loan and lease loss provision to assets | 0.0225% | 4,679 |
| Net operating income to assets | 0.9004% | 2,776 |
| Return on assets (ROA) | 0.9004% | 2,863 |
| Pretax return on assets | 1.1735% | 2,681 |
| Return on Equity (ROE) | 10.4426% | 1,942 |
| Retained earnings to average equity (ytd only) | 7.5381% | 1,219 |
| Net charge-offs to loans | 0.1145% | 3,672 |
| Credit loss provision to net charge-offs | 25.2366% | 4,344 |
| Earnings coverage of net charge-offs (x) | 13.4385% | 2,024 |
| Efficiency ratio | 73.2345% | 3,255 |
| Assets per employee ($millions) | 3.4776% | 4,947 |
| Cash dividends to net income (ytd only)* | 27.8142% | 3,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2273% | 4,509 |
| Loan loss allowance to noncurrent loans | 131.8252% | 2,950 |
| Noncurrent assets plus other real estate owned to assets | 1.0841% | 3,240 |
| Noncurrent loans to loans | 0.9310% | 3,665 |
| Net loans and leases to total assets | 76.5929% | 994 |
| Net loans and leases to deposits | 85.1655% | 1,793 |
| Net loans and leases to core deposits | 86.7855% | 2,370 |
| Total domestic deposits to total assets | 89.9341% | 1,109 |
| Equity capital to assets | 9.2635% | 4,729 |
| Core capital (leverage) ratio | 9.2465% | 4,645 |
| Tier 1 risk-based capital ratio | 11.2503% | 6,050 |
| Total risk-based capital ratio | 12.4410% | 6,028 |
| Memoranda: | ||
| Average total assets | $356,186,600 | 1,825 |
| Average earning assets | $333,620,200 | 1,783 |
| Average equity | $30,710,600 | 2,213 |
| Average total loans | $276,910,200 | 1,523 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5045% | 2,213 |
| Cost of funding earning assets | 1.0374% | 412 |
| Net interest margin | 3.4671% | 4,027 |
| Noninterest income to average assets | 1.2708% | 910 |
| Noninterest expense to average assets | 3.2496% | 2,203 |
| Loan and lease loss provision to assets | 0.0262% | 4,481 |
| Net operating income to assets | 0.9791% | 2,472 |
| Return on assets (ROA) | 0.9791% | 2,574 |
| Pretax return on assets | 1.2460% | 2,523 |
| Return on Equity (ROE) | 11.5727% | 1,634 |
| Retained earnings to average equity (ytd only) | 8.6795% | 1,165 |
| Net charge-offs to loans | 0.1108% | 3,431 |
| Credit loss provision to net charge-offs | 30.4348% | 3,886 |
| Earnings coverage of net charge-offs (x) | 14.7565% | 1,918 |
| Efficiency ratio | 71.8644% | 3,432 |
| Assets per employee ($millions) | 3.4965% | 4,858 |
| Cash dividends to net income (ytd only)* | 24.9999% | 2,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2554% | 4,613 |
| Loan loss allowance to noncurrent loans | 114.4452% | 3,143 |
| Noncurrent assets plus other real estate owned to assets | 1.2434% | 3,152 |
| Noncurrent loans to loans | 1.0970% | 3,599 |
| Net loans and leases to total assets | 77.6415% | 793 |
| Net loans and leases to deposits | 85.3245% | 1,701 |
| Net loans and leases to core deposits | 87.1405% | 2,267 |
| Total domestic deposits to total assets | 90.9956% | 538 |
| Equity capital to assets | 8.7614% | 5,456 |
| Core capital (leverage) ratio | 9.2533% | 4,750 |
| Tier 1 risk-based capital ratio | 11.2923% | 6,153 |
| Total risk-based capital ratio | 12.5278% | 6,122 |
| Memoranda: | ||
| Average total assets | $355,685,750 | 1,833 |
| Average earning assets | $333,522,750 | 1,797 |
| Average equity | $30,093,000 | 2,266 |
| Average total loans | $276,698,500 | 1,526 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5208% | 2,116 |
| Cost of funding earning assets | 1.1094% | 323 |
| Net interest margin | 3.4114% | 4,155 |
| Noninterest income to average assets | 1.5853% | 627 |
| Noninterest expense to average assets | 3.3579% | 1,911 |
| Loan and lease loss provision to assets | 0.0387% | 4,178 |
| Net operating income to assets | 1.1393% | 1,782 |
| Return on assets (ROA) | 1.1393% | 1,895 |
| Pretax return on assets | 1.3850% | 1,987 |
| Return on Equity (ROE) | 13.6261% | 1,092 |
| Retained earnings to average equity (ytd only) | 10.4662% | 752 |
| Net charge-offs to loans | 0.1216% | 3,150 |
| Credit loss provision to net charge-offs | 41.0714% | 3,399 |
| Earnings coverage of net charge-offs (x) | 15.1071% | 1,768 |
| Efficiency ratio | 70.2252% | 3,785 |
| Assets per employee ($millions) | 3.5590% | 4,732 |
| Cash dividends to net income (ytd only)* | 23.1905% | 2,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2797% | 4,604 |
| Loan loss allowance to noncurrent loans | 132.0551% | 2,793 |
| Noncurrent assets plus other real estate owned to assets | 1.1339% | 3,474 |
| Noncurrent loans to loans | 0.9691% | 4,002 |
| Net loans and leases to total assets | 76.1224% | 977 |
| Net loans and leases to deposits | 83.3747% | 1,885 |
| Net loans and leases to core deposits | 85.4576% | 2,389 |
| Total domestic deposits to total assets | 91.3015% | 444 |
| Equity capital to assets | 8.5007% | 5,761 |
| Core capital (leverage) ratio | 9.0083% | 4,976 |
| Tier 1 risk-based capital ratio | 11.1294% | 6,278 |
| Total risk-based capital ratio | 12.3794% | 6,256 |
| Memoranda: | ||
| Average total assets | $356,531,000 | 1,830 |
| Average earning assets | $334,059,330 | 1,796 |
| Average equity | $29,810,330 | 2,287 |
| Average total loans | $276,372,330 | 1,528 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5132% | 2,120 |
| Cost of funding earning assets | 1.1388% | 306 |
| Net interest margin | 3.3743% | 4,214 |
| Noninterest income to average assets | 0.9057% | 1,744 |
| Noninterest expense to average assets | 3.3188% | 2,038 |
| Loan and lease loss provision to assets | 0.0158% | 4,261 |
| Net operating income to assets | 0.4946% | 4,694 |
| Return on assets (ROA) | 0.4946% | 4,847 |
| Pretax return on assets | 0.7221% | 4,478 |
| Return on Equity (ROE) | 5.9652% | 4,066 |
| Retained earnings to average equity (ytd only) | 3.1389% | 4,381 |
| Net charge-offs to loans | 0.0783% | 3,059 |
| Credit loss provision to net charge-offs | 25.9259% | 2,952 |
| Earnings coverage of net charge-offs (x) | 12.1296% | 1,623 |
| Efficiency ratio | 81.8106% | 2,065 |
| Assets per employee ($millions) | 3.6212% | 4,735 |
| Cash dividends to net income (ytd only)* | 47.3804% | 1,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3131% | 4,629 |
| Loan loss allowance to noncurrent loans | 145.2275% | 2,450 |
| Noncurrent assets plus other real estate owned to assets | 1.2093% | 3,551 |
| Noncurrent loans to loans | 0.9041% | 4,326 |
| Net loans and leases to total assets | 74.8420% | 979 |
| Net loans and leases to deposits | 81.6277% | 1,878 |
| Net loans and leases to core deposits | 83.5615% | 2,379 |
| Total domestic deposits to total assets | 91.6871% | 311 |
| Equity capital to assets | 8.1605% | 6,286 |
| Core capital (leverage) ratio | 8.7129% | 5,311 |
| Tier 1 risk-based capital ratio | 10.8891% | 6,452 |
| Total risk-based capital ratio | 12.1398% | 6,423 |
| Memoranda: | ||
| Average total assets | $355,069,500 | 1,865 |
| Average earning assets | $331,563,500 | 1,827 |
| Average equity | $29,437,500 | 2,341 |
| Average total loans | $275,972,500 | 1,540 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7771% | 2,290 |
| Cost of funding earning assets | 1.2187% | 530 |
| Net interest margin | 3.5584% | 4,276 |
| Noninterest income to average assets | 0.9977% | 1,541 |
| Noninterest expense to average assets | 3.3544% | 2,176 |
| Loan and lease loss provision to assets | 0.3411% | 1,971 |
| Net operating income to assets | 0.4515% | 4,882 |
| Return on assets (ROA) | 0.4515% | 5,124 |
| Pretax return on assets | 0.6636% | 4,782 |
| Return on Equity (ROE) | 5.3660% | 4,493 |
| Retained earnings to average equity (ytd only) | 3.6233% | 3,658 |
| Net charge-offs to loans | 0.5679% | 2,025 |
| Credit loss provision to net charge-offs | 76.1320% | 3,964 |
| Earnings coverage of net charge-offs (x) | 2.2426% | 4,300 |
| Efficiency ratio | 76.9527% | 2,599 |
| Assets per employee ($millions) | 3.4457% | 5,116 |
| Cash dividends to net income (ytd only)* | 32.4775% | 3,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3147% | 4,555 |
| Loan loss allowance to noncurrent loans | 121.0090% | 2,816 |
| Noncurrent assets plus other real estate owned to assets | 1.5534% | 3,054 |
| Noncurrent loans to loans | 1.0865% | 4,037 |
| Net loans and leases to total assets | 78.6380% | 604 |
| Net loans and leases to deposits | 86.8331% | 1,402 |
| Net loans and leases to core deposits | 88.7410% | 2,001 |
| Total domestic deposits to total assets | 90.5622% | 675 |
| Equity capital to assets | 8.4261% | 6,105 |
| Core capital (leverage) ratio | 8.8622% | 5,079 |
| Tier 1 risk-based capital ratio | 10.5996% | 6,515 |
| Total risk-based capital ratio | 11.8499% | 6,483 |
| Memoranda: | ||
| Average total assets | $345,100,800 | 1,875 |
| Average earning assets | $325,993,000 | 1,826 |
| Average equity | $29,034,400 | 2,318 |
| Average total loans | $272,242,400 | 1,526 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7881% | 2,434 |
| Cost of funding earning assets | 1.2237% | 623 |
| Net interest margin | 3.5644% | 4,379 |
| Noninterest income to average assets | 0.9946% | 1,515 |
| Noninterest expense to average assets | 3.3393% | 2,160 |
| Loan and lease loss provision to assets | 0.3128% | 2,106 |
| Net operating income to assets | 0.4851% | 4,901 |
| Return on assets (ROA) | 0.4851% | 5,165 |
| Pretax return on assets | 0.7213% | 4,790 |
| Return on Equity (ROE) | 5.7683% | 4,452 |
| Retained earnings to average equity (ytd only) | 4.3596% | 3,823 |
| Net charge-offs to loans | 0.6495% | 1,688 |
| Credit loss provision to net charge-offs | 61.2121% | 4,121 |
| Earnings coverage of net charge-offs (x) | 2.0235% | 4,257 |
| Efficiency ratio | 76.3545% | 2,620 |
| Assets per employee ($millions) | 3.6066% | 4,744 |
| Cash dividends to net income (ytd only)* | 24.4215% | 2,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3021% | 4,806 |
| Loan loss allowance to noncurrent loans | 76.5683% | 3,964 |
| Noncurrent assets plus other real estate owned to assets | 1.8779% | 2,821 |
| Noncurrent loans to loans | 1.7006% | 3,233 |
| Net loans and leases to total assets | 76.6894% | 877 |
| Net loans and leases to deposits | 84.6281% | 1,788 |
| Net loans and leases to core deposits | 86.4170% | 2,411 |
| Total domestic deposits to total assets | 90.6193% | 550 |
| Equity capital to assets | 8.5168% | 6,245 |
| Core capital (leverage) ratio | 8.9348% | 5,148 |
| Tier 1 risk-based capital ratio | 10.9037% | 6,516 |
| Total risk-based capital ratio | 12.1537% | 6,499 |
| Memoranda: | ||
| Average total assets | $344,372,250 | 1,897 |
| Average earning assets | $326,440,000 | 1,838 |
| Average equity | $28,962,000 | 2,336 |
| Average total loans | $270,973,500 | 1,540 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8170% | 2,443 |
| Cost of funding earning assets | 1.2271% | 725 |
| Net interest margin | 3.5899% | 4,303 |
| Noninterest income to average assets | 0.9961% | 1,476 |
| Noninterest expense to average assets | 3.3367% | 2,195 |
| Loan and lease loss provision to assets | 0.3695% | 1,777 |
| Net operating income to assets | 0.4660% | 4,970 |
| Return on assets (ROA) | 0.4660% | 5,210 |
| Pretax return on assets | 0.6924% | 4,848 |
| Return on Equity (ROE) | 5.5651% | 4,546 |
| Retained earnings to average equity (ytd only) | 4.3840% | 3,700 |
| Net charge-offs to loans | 0.4690% | 2,187 |
| Credit loss provision to net charge-offs | 99.6860% | 2,786 |
| Earnings coverage of net charge-offs (x) | 2.8650% | 3,596 |
| Efficiency ratio | 75.8598% | 2,763 |
| Assets per employee ($millions) | 3.4330% | 5,133 |
| Cash dividends to net income (ytd only)* | 21.2235% | 2,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4762% | 4,132 |
| Loan loss allowance to noncurrent loans | 74.0543% | 4,023 |
| Noncurrent assets plus other real estate owned to assets | 2.2458% | 2,491 |
| Noncurrent loans to loans | 1.9933% | 2,953 |
| Net loans and leases to total assets | 78.0198% | 721 |
| Net loans and leases to deposits | 86.0155% | 1,595 |
| Net loans and leases to core deposits | 87.9194% | 2,216 |
| Total domestic deposits to total assets | 90.7043% | 561 |
| Equity capital to assets | 8.4838% | 6,224 |
| Core capital (leverage) ratio | 8.8259% | 5,174 |
| Tier 1 risk-based capital ratio | 10.6900% | 6,618 |
| Total risk-based capital ratio | 11.9425% | 6,604 |
| Memoranda: | ||
| Average total assets | $343,752,000 | 1,899 |
| Average earning assets | $325,803,670 | 1,841 |
| Average equity | $28,786,670 | 2,340 |
| Average total loans | $271,622,330 | 1,542 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8346% | 2,507 |
| Cost of funding earning assets | 1.2274% | 859 |
| Net interest margin | 3.6073% | 4,236 |
| Noninterest income to average assets | 0.9035% | 1,735 |
| Noninterest expense to average assets | 3.2444% | 2,460 |
| Loan and lease loss provision to assets | 0.1954% | 2,987 |
| Net operating income to assets | 0.5919% | 4,382 |
| Return on assets (ROA) | 0.5919% | 4,598 |
| Pretax return on assets | 0.8849% | 4,087 |
| Return on Equity (ROE) | 7.1145% | 3,717 |
| Retained earnings to average equity (ytd only) | 6.4157% | 2,730 |
| Net charge-offs to loans | 0.2004% | 2,918 |
| Credit loss provision to net charge-offs | 123.5294% | 1,935 |
| Earnings coverage of net charge-offs (x) | 6.8309% | 2,151 |
| Efficiency ratio | 75.0202% | 2,937 |
| Assets per employee ($millions) | 3.4261% | 5,283 |
| Cash dividends to net income (ytd only)* | 9.8232% | 2,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4886% | 4,218 |
| Loan loss allowance to noncurrent loans | 65.6981% | 4,230 |
| Noncurrent assets plus other real estate owned to assets | 2.1379% | 2,742 |
| Noncurrent loans to loans | 2.2658% | 2,843 |
| Net loans and leases to total assets | 77.3981% | 650 |
| Net loans and leases to deposits | 85.1718% | 1,514 |
| Net loans and leases to core deposits | 87.0195% | 2,180 |
| Total domestic deposits to total assets | 90.8730% | 610 |
| Equity capital to assets | 8.3355% | 6,238 |
| Core capital (leverage) ratio | 8.7511% | 5,197 |
| Tier 1 risk-based capital ratio | 10.6939% | 6,674 |
| Total risk-based capital ratio | 11.9466% | 6,655 |
| Memoranda: | ||
| Average total assets | $343,978,000 | 1,909 |
| Average earning assets | $326,229,500 | 1,847 |
| Average equity | $28,617,500 | 2,350 |
| Average total loans | $271,506,000 | 1,545 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1373% | 2,302 |
| Cost of funding earning assets | 1.3766% | 1,137 |
| Net interest margin | 3.7607% | 4,025 |
| Noninterest income to average assets | 0.9577% | 1,480 |
| Noninterest expense to average assets | 3.3118% | 2,487 |
| Loan and lease loss provision to assets | 0.6556% | 1,553 |
| Net operating income to assets | 0.3704% | 4,993 |
| Return on assets (ROA) | 0.3704% | 5,162 |
| Pretax return on assets | 0.5500% | 4,836 |
| Return on Equity (ROE) | 4.4277% | 4,661 |
| Retained earnings to average equity (ytd only) | 3.4422% | 3,774 |
| Net charge-offs to loans | 0.8345% | 2,079 |
| Credit loss provision to net charge-offs | 99.0218% | 3,620 |
| Earnings coverage of net charge-offs (x) | 1.8208% | 4,419 |
| Efficiency ratio | 73.3120% | 3,338 |
| Assets per employee ($millions) | 3.3196% | 5,456 |
| Cash dividends to net income (ytd only)* | 22.2576% | 3,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4808% | 4,107 |
| Loan loss allowance to noncurrent loans | 85.2261% | 3,488 |
| Noncurrent assets plus other real estate owned to assets | 1.5665% | 3,598 |
| Noncurrent loans to loans | 1.7375% | 3,561 |
| Net loans and leases to total assets | 78.1249% | 696 |
| Net loans and leases to deposits | 86.0549% | 1,661 |
| Net loans and leases to core deposits | 87.7877% | 2,398 |
| Total domestic deposits to total assets | 90.7849% | 590 |
| Equity capital to assets | 8.3035% | 6,350 |
| Core capital (leverage) ratio | 8.5574% | 5,468 |
| Tier 1 risk-based capital ratio | 10.5341% | 6,670 |
| Total risk-based capital ratio | 11.7864% | 6,652 |
| Memoranda: | ||
| Average total assets | $339,663,200 | 1,901 |
| Average earning assets | $321,508,600 | 1,835 |
| Average equity | $28,412,200 | 2,302 |
| Average total loans | $269,517,400 | 1,567 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1579% | 2,353 |
| Cost of funding earning assets | 1.4130% | 1,174 |
| Net interest margin | 3.7449% | 4,135 |
| Noninterest income to average assets | 0.9405% | 1,514 |
| Noninterest expense to average assets | 3.2458% | 2,677 |
| Loan and lease loss provision to assets | 0.6649% | 1,457 |
| Net operating income to assets | 0.3928% | 5,031 |
| Return on assets (ROA) | 0.3928% | 5,216 |
| Pretax return on assets | 0.5729% | 4,901 |
| Return on Equity (ROE) | 4.6871% | 4,671 |
| Retained earnings to average equity (ytd only) | 3.6315% | 4,168 |
| Net charge-offs to loans | 0.8205% | 1,925 |
| Credit loss provision to net charge-offs | 102.1135% | 3,273 |
| Earnings coverage of net charge-offs (x) | 1.9010% | 4,236 |
| Efficiency ratio | 72.3932% | 3,477 |
| Assets per employee ($millions) | 3.3466% | 5,369 |
| Cash dividends to net income (ytd only)* | 22.5223% | 2,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5142% | 4,028 |
| Loan loss allowance to noncurrent loans | 74.8529% | 3,772 |
| Noncurrent assets plus other real estate owned to assets | 1.7938% | 3,404 |
| Noncurrent loans to loans | 2.0229% | 3,339 |
| Net loans and leases to total assets | 76.8338% | 864 |
| Net loans and leases to deposits | 84.3688% | 1,938 |
| Net loans and leases to core deposits | 86.0430% | 2,764 |
| Total domestic deposits to total assets | 91.0689% | 416 |
| Equity capital to assets | 8.4303% | 6,368 |
| Core capital (leverage) ratio | 8.5870% | 5,577 |
| Tier 1 risk-based capital ratio | 10.5584% | 6,751 |
| Total risk-based capital ratio | 11.8111% | 6,738 |
| Memoranda: | ||
| Average total assets | $339,099,500 | 1,917 |
| Average earning assets | $320,822,500 | 1,847 |
| Average equity | $28,417,500 | 2,305 |
| Average total loans | $269,112,250 | 1,585 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1594% | 2,423 |
| Cost of funding earning assets | 1.4624% | 1,155 |
| Net interest margin | 3.6970% | 4,276 |
| Noninterest income to average assets | 0.9098% | 1,617 |
| Noninterest expense to average assets | 3.3140% | 2,512 |
| Loan and lease loss provision to assets | 0.8190% | 1,120 |
| Net operating income to assets | 0.1987% | 5,745 |
| Return on assets (ROA) | 0.1987% | 5,860 |
| Pretax return on assets | 0.2776% | 5,720 |
| Return on Equity (ROE) | 2.3756% | 5,655 |
| Retained earnings to average equity (ytd only) | 1.2764% | 5,341 |
| Net charge-offs to loans | 0.9079% | 1,718 |
| Credit loss provision to net charge-offs | 113.0115% | 2,713 |
| Earnings coverage of net charge-offs (x) | 1.5131% | 4,157 |
| Efficiency ratio | 75.1378% | 3,158 |
| Assets per employee ($millions) | 3.2522% | 5,526 |
| Cash dividends to net income (ytd only)* | 46.2687% | 1,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5450% | 3,923 |
| Loan loss allowance to noncurrent loans | 66.5926% | 4,110 |
| Noncurrent assets plus other real estate owned to assets | 2.1969% | 2,988 |
| Noncurrent loans to loans | 2.3200% | 3,071 |
| Net loans and leases to total assets | 79.8255% | 546 |
| Net loans and leases to deposits | 87.6907% | 1,541 |
| Net loans and leases to core deposits | 89.3946% | 2,449 |
| Total domestic deposits to total assets | 91.0308% | 488 |
| Equity capital to assets | 8.4782% | 6,214 |
| Core capital (leverage) ratio | 8.4629% | 5,607 |
| Tier 1 risk-based capital ratio | 10.1639% | 6,930 |
| Total risk-based capital ratio | 11.4173% | 6,916 |
| Memoranda: | ||
| Average total assets | $337,234,000 | 1,932 |
| Average earning assets | $319,341,330 | 1,867 |
| Average equity | $28,203,670 | 2,297 |
| Average total loans | $269,178,000 | 1,605 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1359% | 2,490 |
| Cost of funding earning assets | 1.5186% | 1,098 |
| Net interest margin | 3.6174% | 4,497 |
| Noninterest income to average assets | 0.8547% | 1,835 |
| Noninterest expense to average assets | 3.2084% | 2,870 |
| Loan and lease loss provision to assets | 0.7956% | 1,064 |
| Net operating income to assets | 0.1986% | 5,787 |
| Return on assets (ROA) | 0.1986% | 5,846 |
| Pretax return on assets | 0.2778% | 5,717 |
| Return on Equity (ROE) | 2.3910% | 5,640 |
| Retained earnings to average equity (ytd only) | 1.9071% | 4,981 |
| Net charge-offs to loans | 0.7896% | 1,637 |
| Credit loss provision to net charge-offs | 127.2212% | 2,172 |
| Earnings coverage of net charge-offs (x) | 1.7164% | 3,452 |
| Efficiency ratio | 74.9310% | 3,339 |
| Assets per employee ($millions) | 3.1784% | 5,766 |
| Cash dividends to net income (ytd only)* | 20.2381% | 2,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5667% | 3,885 |
| Loan loss allowance to noncurrent loans | 53.2747% | 4,822 |
| Noncurrent assets plus other real estate owned to assets | 2.5873% | 2,646 |
| Noncurrent loans to loans | 2.9407% | 2,554 |
| Net loans and leases to total assets | 77.2419% | 839 |
| Net loans and leases to deposits | 84.6498% | 1,935 |
| Net loans and leases to core deposits | 86.2629% | 2,833 |
| Total domestic deposits to total assets | 91.2488% | 512 |
| Equity capital to assets | 8.2919% | 6,171 |
| Core capital (leverage) ratio | 8.3955% | 5,634 |
| Tier 1 risk-based capital ratio | 10.2898% | 6,902 |
| Total risk-based capital ratio | 11.5432% | 6,891 |
| Memoranda: | ||
| Average total assets | $338,362,000 | 1,940 |
| Average earning assets | $320,564,000 | 1,873 |
| Average equity | $28,105,500 | 2,292 |
| Average total loans | $267,970,000 | 1,628 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2390% | 3,414 |
| Cost of funding earning assets | 1.8406% | 1,024 |
| Net interest margin | 3.3983% | 5,639 |
| Noninterest income to average assets | 0.9393% | 1,709 |
| Noninterest expense to average assets | 3.2284% | 2,984 |
| Loan and lease loss provision to assets | 0.5625% | 2,878 |
| Net operating income to assets | 0.2583% | 5,088 |
| Return on assets (ROA) | 0.2583% | 5,238 |
| Pretax return on assets | 0.3776% | 5,013 |
| Return on Equity (ROE) | 3.0972% | 4,920 |
| Retained earnings to average equity (ytd only) | 1.8827% | 4,544 |
| Net charge-offs to loans | 0.5853% | 3,283 |
| Credit loss provision to net charge-offs | 120.0128% | 3,518 |
| Earnings coverage of net charge-offs (x) | 2.0058% | 4,234 |
| Efficiency ratio | 77.4463% | 2,799 |
| Assets per employee ($millions) | 3.1461% | 5,778 |
| Cash dividends to net income (ytd only)* | 39.2111% | 2,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5004% | 4,009 |
| Loan loss allowance to noncurrent loans | 51.4858% | 4,920 |
| Noncurrent assets plus other real estate owned to assets | 2.4700% | 2,801 |
| Noncurrent loans to loans | 2.9141% | 2,617 |
| Net loans and leases to total assets | 78.7294% | 845 |
| Net loans and leases to deposits | 86.3371% | 2,039 |
| Net loans and leases to core deposits | 87.9379% | 3,062 |
| Total domestic deposits to total assets | 91.1884% | 510 |
| Equity capital to assets | 8.3209% | 6,117 |
| Core capital (leverage) ratio | 8.3581% | 5,597 |
| Tier 1 risk-based capital ratio | 10.1048% | 6,936 |
| Total risk-based capital ratio | 11.3573% | 6,916 |
| Memoranda: | ||
| Average total assets | $333,665,200 | 1,949 |
| Average earning assets | $317,066,600 | 1,875 |
| Average equity | $27,831,800 | 2,322 |
| Average total loans | $267,225,800 | 1,665 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1881% | 3,893 |
| Cost of funding earning assets | 1.8934% | 1,050 |
| Net interest margin | 3.2947% | 6,034 |
| Noninterest income to average assets | 0.8971% | 1,809 |
| Noninterest expense to average assets | 3.1983% | 2,937 |
| Loan and lease loss provision to assets | 0.3861% | 3,574 |
| Net operating income to assets | 0.3024% | 5,154 |
| Return on assets (ROA) | 0.3024% | 5,323 |
| Pretax return on assets | 0.4453% | 5,098 |
| Return on Equity (ROE) | 3.6227% | 4,950 |
| Retained earnings to average equity (ytd only) | 2.6534% | 4,562 |
| Net charge-offs to loans | 0.4678% | 3,413 |
| Credit loss provision to net charge-offs | 102.9915% | 4,171 |
| Earnings coverage of net charge-offs (x) | 2.2179% | 4,068 |
| Efficiency ratio | 79.3679% | 2,441 |
| Assets per employee ($millions) | 3.1238% | 5,868 |
| Cash dividends to net income (ytd only)* | 26.7553% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4192% | 4,359 |
| Loan loss allowance to noncurrent loans | 53.2416% | 4,747 |
| Noncurrent assets plus other real estate owned to assets | 2.2881% | 3,096 |
| Noncurrent loans to loans | 2.6656% | 2,965 |
| Net loans and leases to total assets | 77.9929% | 1,038 |
| Net loans and leases to deposits | 85.8852% | 2,369 |
| Net loans and leases to core deposits | 87.4273% | 3,459 |
| Total domestic deposits to total assets | 90.8107% | 514 |
| Equity capital to assets | 8.4482% | 6,337 |
| Core capital (leverage) ratio | 8.5114% | 5,484 |
| Tier 1 risk-based capital ratio | 10.2784% | 6,912 |
| Total risk-based capital ratio | 11.5297% | 6,902 |
| Memoranda: | ||
| Average total assets | $332,923,000 | 1,981 |
| Average earning assets | $316,536,500 | 1,903 |
| Average equity | $27,787,000 | 2,357 |
| Average total loans | $266,765,500 | 1,680 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1745% | 4,071 |
| Cost of funding earning assets | 1.9110% | 1,198 |
| Net interest margin | 3.2635% | 6,125 |
| Noninterest income to average assets | 0.8331% | 1,955 |
| Noninterest expense to average assets | 3.1713% | 3,010 |
| Loan and lease loss provision to assets | 0.4650% | 2,991 |
| Net operating income to assets | 0.2087% | 5,529 |
| Return on assets (ROA) | 0.2087% | 5,662 |
| Pretax return on assets | 0.3044% | 5,485 |
| Return on Equity (ROE) | 2.5112% | 5,457 |
| Retained earnings to average equity (ytd only) | 1.3388% | 5,217 |
| Net charge-offs to loans | 0.5188% | 2,976 |
| Credit loss provision to net charge-offs | 111.3833% | 3,637 |
| Earnings coverage of net charge-offs (x) | 1.8429% | 4,137 |
| Efficiency ratio | 80.4763% | 2,373 |
| Assets per employee ($millions) | 3.1526% | 5,785 |
| Cash dividends to net income (ytd only)* | 46.6859% | 1,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4365% | 4,256 |
| Loan loss allowance to noncurrent loans | 59.6238% | 4,366 |
| Noncurrent assets plus other real estate owned to assets | 2.0483% | 3,446 |
| Noncurrent loans to loans | 2.4093% | 3,242 |
| Net loans and leases to total assets | 78.1029% | 1,099 |
| Net loans and leases to deposits | 85.8333% | 2,536 |
| Net loans and leases to core deposits | 87.2773% | 3,653 |
| Total domestic deposits to total assets | 90.9937% | 483 |
| Equity capital to assets | 8.3192% | 6,404 |
| Core capital (leverage) ratio | 8.4046% | 5,575 |
| Tier 1 risk-based capital ratio | 10.1919% | 6,920 |
| Total risk-based capital ratio | 11.4436% | 6,885 |
| Memoranda: | ||
| Average total assets | $332,481,670 | 2,000 |
| Average earning assets | $316,591,000 | 1,920 |
| Average equity | $27,636,670 | 2,361 |
| Average total loans | $267,540,000 | 1,699 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1712% | 4,188 |
| Cost of funding earning assets | 1.9259% | 1,339 |
| Net interest margin | 3.2453% | 6,144 |
| Noninterest income to average assets | 0.8105% | 1,971 |
| Noninterest expense to average assets | 3.2132% | 2,808 |
| Loan and lease loss provision to assets | 0.3172% | 3,514 |
| Net operating income to assets | 0.2557% | 5,471 |
| Return on assets (ROA) | 0.2557% | 5,599 |
| Pretax return on assets | 0.3715% | 5,375 |
| Return on Equity (ROE) | 3.0775% | 5,303 |
| Retained earnings to average equity (ytd only) | 2.0323% | 4,912 |
| Net charge-offs to loans | 0.3228% | 3,121 |
| Credit loss provision to net charge-offs | 121.1982% | 2,883 |
| Earnings coverage of net charge-offs (x) | 2.6313% | 3,222 |
| Efficiency ratio | 82.3493% | 2,232 |
| Assets per employee ($millions) | 3.1567% | 5,871 |
| Cash dividends to net income (ytd only)* | 33.9623% | 1,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4061% | 4,392 |
| Loan loss allowance to noncurrent loans | 55.7675% | 4,613 |
| Noncurrent assets plus other real estate owned to assets | 2.1858% | 3,293 |
| Noncurrent loans to loans | 2.5214% | 3,154 |
| Net loans and leases to total assets | 79.7743% | 867 |
| Net loans and leases to deposits | 87.6644% | 2,288 |
| Net loans and leases to core deposits | 89.4379% | 3,440 |
| Total domestic deposits to total assets | 90.9997% | 548 |
| Equity capital to assets | 8.3390% | 6,247 |
| Core capital (leverage) ratio | 8.4123% | 5,538 |
| Tier 1 risk-based capital ratio | 10.1850% | 6,898 |
| Total risk-based capital ratio | 11.4366% | 6,883 |
| Memoranda: | ||
| Average total assets | $331,634,000 | 2,056 |
| Average earning assets | $315,900,500 | 1,975 |
| Average equity | $27,554,500 | 2,404 |
| Average total loans | $268,907,000 | 1,746 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6888% | 3,163 |
| Cost of funding earning assets | 2.4022% | 1,295 |
| Net interest margin | 3.2866% | 5,794 |
| Noninterest income to average assets | 0.9569% | 1,721 |
| Noninterest expense to average assets | 3.3502% | 2,834 |
| Loan and lease loss provision to assets | 0.4700% | 4,002 |
| Net operating income to assets | 0.1542% | 5,041 |
| Return on assets (ROA) | 0.1616% | 5,089 |
| Pretax return on assets | 0.2199% | 4,960 |
| Return on Equity (ROE) | 1.9963% | 4,905 |
| Retained earnings to average equity (ytd only) | 0.4023% | 4,682 |
| Net charge-offs to loans | 0.6424% | 3,268 |
| Credit loss provision to net charge-offs | 86.2458% | 6,125 |
| Earnings coverage of net charge-offs (x) | 1.2475% | 4,879 |
| Efficiency ratio | 83.1313% | 2,459 |
| Assets per employee ($millions) | 2.9893% | 6,252 |
| Cash dividends to net income (ytd only)* | 79.8479% | 1,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3815% | 4,328 |
| Loan loss allowance to noncurrent loans | 92.7309% | 3,015 |
| Noncurrent assets plus other real estate owned to assets | 1.3496% | 4,397 |
| Noncurrent loans to loans | 1.4898% | 4,433 |
| Net loans and leases to total assets | 80.1361% | 967 |
| Net loans and leases to deposits | 88.0103% | 2,554 |
| Net loans and leases to core deposits | 106.3047% | 3,299 |
| Total domestic deposits to total assets | 91.0531% | 516 |
| Equity capital to assets | 8.2785% | 6,223 |
| Core capital (leverage) ratio | 8.5465% | 5,206 |
| Tier 1 risk-based capital ratio | 10.1021% | 6,788 |
| Total risk-based capital ratio | 11.3560% | 6,751 |
| Memoranda: | ||
| Average total assets | $325,535,200 | 2,077 |
| Average earning assets | $304,388,400 | 2,042 |
| Average equity | $26,348,600 | 2,503 |
| Average total loans | $276,172,000 | 1,741 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7516% | 3,092 |
| Cost of funding earning assets | 2.4983% | 1,309 |
| Net interest margin | 3.2533% | 5,819 |
| Noninterest income to average assets | 0.9750% | 1,687 |
| Noninterest expense to average assets | 3.3492% | 2,729 |
| Loan and lease loss provision to assets | 0.4235% | 3,782 |
| Net operating income to assets | 0.1704% | 5,249 |
| Return on assets (ROA) | 0.1704% | 5,319 |
| Pretax return on assets | 0.2297% | 5,230 |
| Return on Equity (ROE) | 2.1175% | 5,128 |
| Retained earnings to average equity (ytd only) | 0.1739% | 5,127 |
| Net charge-offs to loans | 0.5783% | 2,943 |
| Credit loss provision to net charge-offs | 85.3942% | 5,614 |
| Earnings coverage of net charge-offs (x) | 1.3170% | 4,798 |
| Efficiency ratio | 83.6812% | 2,329 |
| Assets per employee ($millions) | 2.8294% | 6,591 |
| Cash dividends to net income (ytd only)* | 91.7861% | 706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3935% | 3,986 |
| Loan loss allowance to noncurrent loans | 100.0264% | 2,775 |
| Noncurrent assets plus other real estate owned to assets | 1.2038% | 4,666 |
| Noncurrent loans to loans | 1.3931% | 4,585 |
| Net loans and leases to total assets | 82.4883% | 742 |
| Net loans and leases to deposits | 90.8484% | 2,422 |
| Net loans and leases to core deposits | 110.3742% | 3,197 |
| Total domestic deposits to total assets | 90.7977% | 484 |
| Equity capital to assets | 8.2277% | 6,604 |
| Core capital (leverage) ratio | 8.5239% | 5,448 |
| Tier 1 risk-based capital ratio | 10.1462% | 6,835 |
| Total risk-based capital ratio | 11.3982% | 6,775 |
| Memoranda: | ||
| Average total assets | $323,965,750 | 2,103 |
| Average earning assets | $301,474,750 | 2,079 |
| Average equity | $26,068,500 | 2,550 |
| Average total loans | $277,808,250 | 1,757 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7944% | 3,076 |
| Cost of funding earning assets | 2.5658% | 1,384 |
| Net interest margin | 3.2287% | 5,810 |
| Noninterest income to average assets | 0.9286% | 1,853 |
| Noninterest expense to average assets | 3.2773% | 3,061 |
| Loan and lease loss provision to assets | 0.5199% | 2,946 |
| Net operating income to assets | 0.0921% | 5,587 |
| Return on assets (ROA) | 0.0921% | 5,686 |
| Pretax return on assets | 0.1094% | 5,655 |
| Return on Equity (ROE) | 1.1535% | 5,591 |
| Retained earnings to average equity (ytd only) | -1.0916% | 5,507 |
| Net charge-offs to loans | 0.6479% | 2,414 |
| Credit loss provision to net charge-offs | 92.8256% | 4,841 |
| Earnings coverage of net charge-offs (x) | 1.1236% | 4,681 |
| Efficiency ratio | 83.8899% | 2,487 |
| Assets per employee ($millions) | 2.7870% | 6,662 |
| Cash dividends to net income (ytd only)* | 194.6309% | 237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4112% | 3,665 |
| Loan loss allowance to noncurrent loans | 145.4004% | 2,026 |
| Noncurrent assets plus other real estate owned to assets | 1.1270% | 4,698 |
| Noncurrent loans to loans | 0.9705% | 5,278 |
| Net loans and leases to total assets | 83.6438% | 684 |
| Net loans and leases to deposits | 92.0102% | 2,469 |
| Net loans and leases to core deposits | 112.3313% | 3,098 |
| Total domestic deposits to total assets | 90.9071% | 488 |
| Equity capital to assets | 8.1397% | 6,579 |
| Core capital (leverage) ratio | 8.4715% | 5,492 |
| Tier 1 risk-based capital ratio | 9.8359% | 7,096 |
| Total risk-based capital ratio | 11.0868% | 7,037 |
| Memoranda: | ||
| Average total assets | $323,495,670 | 2,130 |
| Average earning assets | $298,389,670 | 2,124 |
| Average equity | $25,834,330 | 2,571 |
| Average total loans | $279,681,000 | 1,774 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7626% | 3,469 |
| Cost of funding earning assets | 2.5801% | 1,624 |
| Net interest margin | 3.1826% | 5,916 |
| Noninterest income to average assets | 0.8032% | 2,304 |
| Noninterest expense to average assets | 3.2029% | 2,974 |
| Loan and lease loss provision to assets | 0.9609% | 1,351 |
| Net operating income to assets | -0.2160% | 6,580 |
| Return on assets (ROA) | -0.2160% | 6,657 |
| Pretax return on assets | -0.3637% | 6,717 |
| Return on Equity (ROE) | -2.7315% | 6,746 |
| Retained earnings to average equity (ytd only) | -5.7927% | 6,654 |
| Net charge-offs to loans | 0.9943% | 1,351 |
| Credit loss provision to net charge-offs | 110.7296% | 3,483 |
| Earnings coverage of net charge-offs (x) | 0.6881% | 4,458 |
| Efficiency ratio | 84.2862% | 2,272 |
| Assets per employee ($millions) | 2.7646% | 6,724 |
| Cash dividends to net income (ytd only)* | -112.0690% | 8,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4483% | 3,244 |
| Loan loss allowance to noncurrent loans | 59.4356% | 4,631 |
| Noncurrent assets plus other real estate owned to assets | 2.3029% | 2,495 |
| Noncurrent loans to loans | 2.4367% | 2,706 |
| Net loans and leases to total assets | 85.0745% | 538 |
| Net loans and leases to deposits | 93.2590% | 2,392 |
| Net loans and leases to core deposits | 114.4003% | 2,970 |
| Total domestic deposits to total assets | 91.2240% | 344 |
| Equity capital to assets | 7.8303% | 7,031 |
| Core capital (leverage) ratio | 8.1746% | 6,153 |
| Tier 1 risk-based capital ratio | 9.2541% | 7,623 |
| Total risk-based capital ratio | 10.5064% | 7,604 |
| Memoranda: | ||
| Average total assets | $322,204,000 | 2,150 |
| Average earning assets | $303,404,500 | 2,103 |
| Average equity | $25,480,500 | 2,610 |
| Average total loans | $281,197,000 | 1,770 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6043% | 2,469 |
| Cost of funding earning assets | 2.9426% | 2,082 |
| Net interest margin | 3.6617% | 4,635 |
| Noninterest income to average assets | 0.9055% | 1,937 |
| Noninterest expense to average assets | 3.2464% | 3,162 |
| Loan and lease loss provision to assets | 0.9599% | 1,535 |
| Net operating income to assets | 0.1246% | 6,040 |
| Return on assets (ROA) | 0.1246% | 5,888 |
| Pretax return on assets | 0.1599% | 5,818 |
| Return on Equity (ROE) | 1.3994% | 5,796 |
| Retained earnings to average equity (ytd only) | -2.2562% | 5,939 |
| Net charge-offs to loans | 0.2406% | 3,850 |
| Credit loss provision to net charge-offs | 455.8544% | 961 |
| Earnings coverage of net charge-offs (x) | 5.3180% | 3,685 |
| Efficiency ratio | 74.3533% | 3,513 |
| Assets per employee ($millions) | 2.7431% | 6,690 |
| Cash dividends to net income (ytd only)* | 261.2299% | 234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4016% | 3,184 |
| Loan loss allowance to noncurrent loans | 136.2513% | 2,679 |
| Noncurrent assets plus other real estate owned to assets | 1.0011% | 4,328 |
| Noncurrent loans to loans | 1.0287% | 4,528 |
| Net loans and leases to total assets | 86.9920% | 475 |
| Net loans and leases to deposits | 97.1989% | 2,253 |
| Net loans and leases to core deposits | 119.3036% | 2,759 |
| Total domestic deposits to total assets | 89.4989% | 850 |
| Equity capital to assets | 7.9867% | 6,860 |
| Core capital (leverage) ratio | 8.5226% | 5,532 |
| Tier 1 risk-based capital ratio | 9.4659% | 7,352 |
| Total risk-based capital ratio | 10.7180% | 7,262 |
| Memoranda: | ||
| Average total assets | $300,150,200 | 2,205 |
| Average earning assets | $283,663,400 | 2,150 |
| Average equity | $26,726,400 | 2,499 |
| Average total loans | $262,674,000 | 1,816 |